Easy Ways To Stay Ahead of The Next (or Current) Data Breach

THE BIG THING I WANT YOU TO KNOW:

We can’t beat the hackers, and data breaches any more, but we can disrupt their game. FREEZING YOUR CREDIT (scroll down) is a must and actually using credit cards in a healthy way can be to your advantage in today’s digital world. Let’s dive in.

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UPDATED: 7.30.2019

YOU GET A DATA BREACH! YOU GET A DATA BREACH!

Everyone welcome Marriott (and Capital One!) to the data breach club.

Recent reports state that Starwood Hotels, that they own, has had a data breach since 2014 and it went unnoticed until now. The four-year-long data bleed impacted — brace yourself — HALF A BILLION people. It holds the shame and distinction as one of the top three data breaches in history.

So what’s at stake? A heck of A LOT.

In this latest episode of “My Information Is Leaked” the breached information ranges from relatively benign facts like names and emails to more private pieces of information like passport number and date of birth. For those tangled up in the breach, even credit card numbers have been shared. YIKES.

IT’S TIME TO GET OFF THE GRID OR MOVE TO THE NEW REALITY OF LIVING PROTECTED

If you’re ready to sell your worldly possessions, cut your utilities, and sharpen your pioneering skills because you’re ready for your new life in the woods, we wish you well. The truth is you’ll never fully be off grid despite your best attempts to rid yourself of plastic and exclusively pay in cash.

The next data breach is likely right around the corner, so here’s how to stay ahead of it:


#1 FREEZE YOUR CREDIT

The government recently made this a lot easier and the online process takes 20 minutes! Best part: it’s now FREE! It’s not everyday that the government gives away free services, so take advantage of this one.

Here are the three websites to go to and set up your accounts to freeze your credit. Do all three and in whole it should take 20 minutes. (Do it tonight.) This could significantly protect your future!

  1. Equifax Credit Freeze

  2. Experian Security Freeze

  3. Transunion Credit Freeze

While frozen credit won’t stop cyber thieves from stealing your information, it will stop them from being able to inflict some real damage like taking out a loan or buying a car with your Social Security number.

#2 USE CREDIT CARDS AS OFTEN AS POSSIBLE (YES, REALLY)

When you’re shopping online, buying airline tickets, or checking into hotels, swipe your credit card instead of your debit card. If your debit card information is implicated in a data breach, your bank will likely rectify, BUT you’ll temporarily be out actual money from your checking account. On the other hand, a credit card doesn’t touch your actual cash.

this advice only works when you have a healthy relationship with money/credit cards

Maybe you’ve been burned by credit and now you want to avoid plastic like the plague. I get it. Perhaps you were dazzled by the travel and hotel rewards and you took scissors to all of the plastic in your wallet with the vow to never go back. While I applaud you for your self-awareness, you still have to get on board in today’s world.

You should get a credit card to build (or begin to repair your damaged) credit but get a secured credit card with low credit limits.

In today’s cyber world of finances it’s hard to avoid digital exposure. We want to see you move to a healthy relationship with money.



Credit cards absolutely have advantages, and you need a healthy approach. We suggest you start slow and start small.


Think of someone who has a bad relationship with food. They need a plan, accountability, and new habits.

Credit cards absolutely have advantages, and you need a healthy approach. We suggest you start slow and start small.

How healthy is your relationship with money and credit cards?

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You can’t avoid food. You can’t avoid money. You can control your approach.

 

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