Identity theft is the process of stealing your personal information — like your name, address, Social Security number and email address — and using it without your consent. Identity theft can happen to anyone, and the effects can be more than just an inconvenience. Hackers may obtain your information in a.
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Whenever you hear news about a data breach, you may wonder exactly what hackers can do with your information.
As it turns out, quite a lot.
Unfortunately, hackers work fast, too. According to May 2017 research by the Federal Trade Commission, it took only nine minutes before the hackers tried to access the information from a fake data breach.
If you’ve recently found out your data was compromised, then you should know the various ways identity thieves can use your information. This knowledge can prepare you for managing the effects of identity theft as soon as it happens.
Here are five ways hackers can take advantage of you and your information.
What is identity theft?
Identity theft is the process of stealing your personal information — like your name, address, Social Security number and email address — and using it without your consent. Identity theft can happen to anyone, and the effects can be more than just an inconvenience.
Hackers may obtain your information in a data breach. But they may also be able to get your information if you enter it on a public computer or go to an unsecured website — and these are just some examples of how hackers can steal your information.
They can then use your personal information in a variety of ways for their own gain — and unfortunately, at your expense.
How common is identity theft?
Identity theft is on the rise. According to the 2017 Identity Fraud Study released by Javelin Strategy & Research, identity theft incidences hit a new record in 2016, with 15.4 million U.S. consumers affected.
1. Your info could be used to open credit cards or take out loans.
If hackers have your Social Security number, name, birthdate and address, they can open credit cards or apply for loans in your name.
“Hackers obtaining personal information, including Social Security numbers, can enable someone to pose as their victim and get credit or take out loans that they never pay back,” says Steven J.J. Weisman, a lawyer and author of “Identity Theft Alert: 10 Rules You Must Follow to Protect Yourself from America’s #1 Crime“.
2. Hackers can intercept your tax refund.
If you’re like most people, you’re excited to get your tax refund. But sadly, hackers can intercept your tax refund by filing a fake tax return, using your Social Security number, birthdate and name.
Consumers who wait until the last minute to file may be more vulnerable. You’d likely only find out once you file your tax return and it gets rejected.
To help prevent this, the IRS recommends the following precautions:
- Always use security software with firewall and anti-virus protections. Use strong passwords.
- Learn to recognize and avoid phishing emails, threatening calls and texts from thieves posing as legitimate organizations such as your bank, credit card companies and even the IRS.
- Don’t click on links or download attachments from unknown or suspicious emails.
- Protect your personal data. Don’t routinely carry your Social Security card, and make sure your tax records are secure.
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3. Your info can be used to cover medical treatment.
People who steal your info aren’t just using it to buy lavish items. They can also use it to receive medical treatment by using your Social Security number and health insurance account numbers.
“In most cases, (identity thieves) use your same address, phone number… everything. Their goal is to get treatment and/or medications, and then they are gone, leaving very little time for them to be found out,” says Justin Lavelle, chief communications officer at background checking service BeenVerified.com.
In fact, according to research from Michigan State University, there were nearly 1,800 incidents of medical data breaches with patients’ information from October 2009 to December 2016.
Hackers can receive treatments, prescriptions and more by using your benefits. In addition to increased expenses for you, this can also put your own health at risk as the thief’s medical information will now be mixed up with yours.
Be sure to thoroughly review your medical bills and insurance statements as these may show signs of identity theft. You can check if the claim description matches the care you received.
If you see a discrepancy, call your health provider to report it.
Also make a habit of regularly checking your credit reports to check for delinquent (unpaid) medical bills on your credit reports.
4. Hackers can take flight with your airline miles.
Using your email and passwords, hackers can get access to your airline miles to book trips or even redeem for cash. Last year, hackers stole nearly $24,000 worth of Air India frequent flyer miles.
“Airline miles can be converted to cash as easily as going to websites that buy miles,” Lavelle says.
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To help prevent this, use a different password than the one you have on other accounts, and keep track of your mile activity regularly.
5. Your info could be used to open utility accounts.
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According to the Federal Trade Commission (FTC), 13 percent of fraud incidents in 2016 occurred with phone and utility accounts.
In these cases, hackers may have opened an account with an electric, gas or cellphone company by using a stolen Social Security number. They then can run up tabs on the account, which is under your name, without you knowing.
There’s another scam to be aware of as well. Identity thieves can call you and pretend to be the utility company, threatening to turn off your electricity if you don’t pay up. However, these fraudsters are just trying to steal your money.
If your utility company is asking you to pay up, make sure you’re talking to the real deal and verify your repayment status.
You can do this by checking the utility company’s phone number and also checking your online account to verify your status.
How can you prevent identity theft?
While you can’t prevent a big data breach or ever fully protect yourself against identity theft, there are some measures you can take to make yourself less vulnerable. Here are some quick tips:
- Make sure you have a strong password that has many characters (including a mix of lower- and upper-case letters, numbers and symbols) and has no personally identifiable information or dictionary words.
- When you’re online, make sure the sites you visit are secure. The URL will usually have a lock in the left-hand corner and start with “https”.
- Enable two-factor authentication, so you’ll need to enter a code from your phone to access your accounts.
- Check your financial transactions often, and keep tabs on your credit reports to look for any changes.
Credit Karma has also created another way to help you detect identity theft.
With the ID monitoring feature, you can use your email address to search for any accounts that are in any public data breaches. If your information has been exposed in a breach, we’ll let you know some tips and tools to help you take the right next steps.
We’ll also continue to monitor your identity and credit for free.
Bottom line
There’s no shortage of ways hackers can use your information, and they seem to be getting ever more creative.
If you’re a victim of identity theft, you can follow the steps provided by the FTC to help you get through it. You can also submit a complaint through the FTC.
Of course, there are no foolproof methods to preventing identity theft. But taking precautions and catching signs of identity theft as early as possible can help immensely.
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Most computer vulnerabilities can be exploited in a variety of ways. Hacker attacks may use a single specific exploit, several exploits at the same time, a misconfiguration in one of the system components or even a backdoor from an earlier attack.
Due to this, detecting hacker attacks is not an easy task, especially for an inexperienced user. This article gives a few basic guidelines to help you figure out either if your machine is under attack or if the security of your system has been compromised. Keep in mind just like with viruses, there is no 100% guarantee you will detect a hacker attack this way. However, there’s a good chance that if your system has been hacked, it will display one or more of the following behaviours.
Windows machines:
- Suspiciously high outgoing network traffic. If you are on a dial-up account or using ADSL and notice an unusually high volume of outgoing network (traffic especially when you computer is idle or not necessarily uploading data), then it is possible that your computer has been compromised. Your computer may be being used either to send spam or by a network worm which is replicating and sending copies of itself. For cable connections, this is less relevant – it is quite common to have the same amount of outgoing traffic as incoming traffic even if you are doing nothing more than browsing sites or downloading data from the Internet.
- Increased disk activity or suspicious looking files in the root directories of any drives. After hacking into a system, many hackers run a massive scan for any interesting documents or files containing passwords or logins for bank or epayment accounts such as PayPal. Similarly, some worms search the disk for files containing email addresses to use for propagation. If you notice major disk activity even when the system is idle in conjunction with suspiciously named files in common folders, this may be an indication of a system hack or malware infection.
- Large number of packets which come from a single address being stopped by a personal firewall. After locating a target (eg. a company’s IP range or a pool of home cable users) hackers usually run automated probing tools which try to use various exploits to break into the system. If you run a personal firewall (a fundamental element in protecting against hacker attacks) and notice an unusually high number of stopped packets coming from the same address then this is a good indication that your machine is under attack. The good news is that if your personal firewall is reporting these attacks, you are probably safe. However, depending on how many services you expose to the Internet, the personal firewall may fail to protect you against an attack directed at a specific FTP service running on your system which has been made accessible to all. In this case, the solution is to block the offending IP temporarily until the connection attempts stop. Many personal firewalls and IDSs have such a feature built in.
- Your resident antivirus suddenly starts reporting that backdoors or trojans have been detected, even if you have not done anything out of the ordinary. Although hacker attacks can be complex and innovative, many rely on known trojans or backdoors to gain full access to a compromised system. If the resident component of your antivirus is detecting and reporting such malware, this may be an indication that your system can be accessed from outside.
Unix machines:
- Suspiciously named files in the /tmp folder. Many exploits in the Unix world rely on creating temporary files in the /tmp standard folder which are not always deleted after the system hack. The same is true for some worms known to infect Unix systems; they recompile themselves in the /tmp folder and use it as ‘home’.
- Modified system binaries such as ‘login’, ‘telnet’, ‘ftp’, ‘finger’ or more complex daemons, ‘sshd’, ‘ftpd’ and the like. After breaking into a system, a hacker usually attempts to secure access by planting a backdoor in one of the daemons with direct access from the Internet, or by modifying standard system utilities which are used to connect to other systems. The modified binaries are usually part of a rootkit and generally, are ‘stealthed’ against direct simple inspection. In all cases, it is a good idea to maintain a database of checksums for every system utility and periodically verify them with the system offline, in single user mode.
- Modified /etc/passwd, /etc/shadow, or other system files in the /etc folder. Sometimes hacker attacks may add a new user in /etc/passwd which can be remotely logged in a later date. Look for any suspicious usernames in the password file and monitor all additions, especially on a multi-user system.
- Suspicious services added to /etc/services. Opening a backdoor in a Unix system is sometimes a matter of adding two text lines. This is accomplished by modifying /etc/services as well as /etc/ined.conf. Closely monitor these two files for any additions which may indicate a backdoor bound to an unused or suspicious port.