5/7/2023 0 Comments Native access loginConsider signing up for credit monitoring and/or putting a freeze on your credit with the three major reporting agencies.Remember that phishing attacks can arrive via text and voice call, too. Be careful about following links in emails to login pages. ![]() Regularly check your bank statements and sign up for spending alerts.The Jumbo app and the Have I Been Pwned website are resources that many tech experts recommend for this purpose. Check to see if your passwords have been exposed.An authenticator app is more secure than SMS 2FA. Consider using two-factor authentication (2FA) on your most sensitive accounts.This means you will need to use a password manager, because you won’t be able to remember then all. So, the first line of defense against ATO for the average person is to use a unique, strong password on every account you have. They can test your stolen login credentials from one account with all your accounts or with common platforms to see what else they can take over. ![]() That’s like handing a skeleton key to criminals. More than 84% of us use the same password for multiple accounts. But most of us make it easy for fraudsters to do worse. ![]() If one of your shopping passwords is exposed in a breach, the fraud might be limited to that account. There’s not much consumers can do about this trend, but there’s a related step that can limit the damage. In 2019, more than 164 million records were exposed by data breaches in the U.S., and new breaches are reported every week around the world. When criminals find ways to steal data from companies and government agencies, they resell that information to other criminals, who often use it to hijack accounts. Most consumers are aware of the dangers of fraud and know to keep their passwords a secret, so how does ATO fraud happen? One major cause is out of the average person’s control, but the other is not.ĭata breaches are a huge source of passwords and other login credentials. How does ATO happen and how can you protect yourself?
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