
PSA
This is especially true for AT&T customers, but it is great advice for everyone.
The AT&T leak was pernicious because all your information, including your social security number, address, phone number, etc might have been exposed.
We often don’t know it happened with other breaches – or we find out much later.
While your password might not have been exposed, the people using this information are doing stacking. They wait and then peek into an account to see if they get access. Usually, it’s long enough after the fact that you will only notice if you have two-factor authentication turned on for everything important. They cross-reference information across multiple accounts, usually because people reuse passwords and don’t update them appropriately. Those engaging in this target the easiest sites and behaviors.
People forget that while using their phones and shopping on sites the risk of someone intercepting their information increases. The risk increases drastically if you’re constantly linked to WiFi instead of your cellphone signal. Advertisers and tracking cookies are a pain in the ass, but most of the issues with information being stolen are more a matter of you giving it to them under the incorrect assumption of safety. Two-factor authentication is a lock to which only you have the key. But locks are only as good as the skill level and persistence of the people trying to break in. Regardless of your phone or account security, anyone sufficiently motivated can gain access.
The other cardinal rule is that if you store anything online or on your phone, you should assume that someone gets it no matter how diligently you protect it. Most of our personal information is already easily obtained.
It’s also a given that you should be checking your credit reports for free at least once a year. Even better if you are using a monitoring service.
As careful as I am, doing so has helped me avoid a few potentially massive headaches.
Don’t answer your phone if it seems to be your bank, credit card company, or retailer. Don’t click on a link in a text or email. Always initiate a reply by calling or emailing the bank directly.
The scams are getting exponentially better.
PS If you have your friends list visible on Facebook, you have the answer as to why your account is being cloned constantly. We are lucky that people with bad intentions pick the easier targets, just as people who steal cars or the contents therein usually walk around pulling door handles. It’s extremely hard to gain access to someone’s Facebook account unless they fail to use two-factor authentication, which is the equivalent of leaving your door unlocked.
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