Recently, hackers hit Anthem, the nation’s second-largest health insurance company. As many as 80 million customers had their account information stolen. The pilfered data includes names, birth dates, medical IDs, Social Security numbers, street addresses, email addresses, and employment information.
If you’re worried about your personal information ending up in the wrong hands, the Federal Trade Commission (FTC) has a helpful reminder… A credit freeze. Also known as a security freeze, a credit freeze limits access to your credit report, which makes it more difficult for identity thieves to open new accounts in your name.
The FTC offers some Credit Freeze FAQs which can help you decide whether a credit freeze is right for you. One thing to remember – a credit freeze doesn’t prevent a thief from making charges to your existing accounts. Even if you elect a credit freeze you still need to monitor your existing credit card and bank accounts for charges you don’t recognize. If you decide you don’t want to get a credit freeze, you can still place a fraud alert. It lasts 90 days – you can renew it – and makes it tougher for thieves to open new accounts.
It’s also a good idea to review your credit report periodically. Federal law allows you to get a free copy every 12 months from each of the three nationwide credit bureaus. Visit annualcreditreport.com or call 1-877-322-8228. Accounts on your credit report that you don’t recognize could indicate identity theft.
BUSINESS OWNERS – Click here for more information on how to protect your business from cyber attacks.
Gunn-Mowery has in-house experts available to consult on Cyber Liability coverage. Contact us at 717-761-4600 or email us to discuss your specific situation and/or concerns.