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05: Data Breach Fallout - Protecting Your Finances and Identity
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In this episode of The Miko Love Podcast, Kumiko dives into the growing threat of data breaches and identity theft, a concern that’s becoming all too common as companies face increasing security challenges.
She shares practical steps to safeguard your money and assets, including freezing your credit, using two-factor authentication, and staying vigilant for signs of compromise. Kumiko also clarifies the difference between a credit freeze and a credit lock, and stresses the importance of regularly checking your credit report.
Tune in to learn how to take proactive measures to protect yourself and minimize the impact of potential data breaches.
TAKEAWAYS
- Freeze your credit with all three major credit bureaus to prevent criminals from accessing your financial accounts and opening new ones in your name.
- Implement two-factor authentication for all your online accounts to add an extra layer of security.
- Regularly monitor your credit and be vigilant for any signs of compromise, using tools like Credit Karma for notifications and pulling your credit report.
- Choose a credit freeze over a credit lock, as freezes offer more legal protections and are free of charge.
Contact each of the three major credit bureaus — Equifax, Experian and TransUnion — individually to freeze your credit:
- Equifax: Call the automated line at 800-349-9960 or customer care at 888-298-0045, or go online.
- Experian: Go online to initiate, or for information call 888‑397‑3742.
- TransUnion: Call 800-916-8800 or 888-909-8872, or go online.
Request copies of your credit report from the main credit reporting agencies – Equifax, Experian, and TransUnion – and examine them for any unexplained accounts opened in your name.
You are entitled to order a free copy of your credit report from each of the major credit reporting agencies every 12 months through AnnualCreditReport.com.
Get free identity monitoring with Credit Karma here!
About Kumiko:
Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.
She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals.
With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America.
As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment.
Thank you for being a part of our community!
Contact The Miko Love Podcast
- Follow me on Instagram @mikolovepodcast
- Email me at kumiko@mikolovepodcast.com
Thanks for listening & keep feeding your curiosity!
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