At least one major retailer has sent emails to millions of customers potentially affected by mega security breaches such as the one that occurred during the 2013 holiday season at Target.
Be on the lookout for scammers who mimic them.
If you receive email from a retailer regarding a security breach, here’s what to do:
Don’t automatically open the email: First go to the retailer’s website or call to make sure the information online matches the email you received.
If you’ve already opened the email: Don’t click on any links until you verify the information with the retailer by going online or calling.
If you’ve already clicked a link to an external website and entered personal information: Verify the information in the email with the retailer at its website. Then…
If the information in the email doesn’t match the retailer’s information: Take action quickly:
- * If the retailer is offering free fraud-monitoring, take advantage of it.
- * Go online and confirm your debit and credit card transactions every day.
- * Alert us and all your financial institutions and credit card companies.
- * Call the “big three” credit reporting agencies–Equifax, TransUnion, and Experian–to tell them you clicked through on a bogus ink and shared info you wish you hadn’t.
- * Ask to have a fraud alert placed on your account. It costs nothing to place a fraud alert on your credit report if your information is compromised, and the alert will remain in place for 90 days.
- * Alert the Federal Trade Commission (FTC). Report fraud at FTC.gov or by calling 877-438-4338.
- * If you’re really worried, request a credit freeze, which prohibits any credit from being extended under your name.
To learn more about protecting your accounts from fraud, talk to the professionals at White River Credit Union. We can recommend steps you can take to keep your information safe.