10 Jan I just got another data breach notice. What should I do?

Q. I just got another notice about a data breach involving my personal information. I already have my credit frozen. What else should I do?
— Victim again

A. Your frozen credit reports are a great protection.

A credit freeze stops others from successfully applying for a loan in your name. When a lender can’t see your credit report, it’s unlikely to approve any new loans.

The big three credit bureaus — Experian, Equifax and TransUnion — all allow you to set a start date and an end date to lift your freeze.

You will have to lift the freeze separately with each of the bureaus.

When companies learn there’s been a data breach, they typically offer you free identity theft protection for a period of time. Taking them up on the offer can’t hurt.

You should always keep a close eye on your existing accounts anyway, just to make sure there’s nothing amiss.

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This story was originally published in January 2025.

NJMoneyHelp.com presents certain general financial planning principles and advice, but should never be viewed as a substitute for obtaining advice from a personal professional advisor who understands your unique individual circumstances.