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Hackers have posted another batch of stolen health records on the dark web—following a breach that could potentially affect nearly 8 million Australian Medibank customers, along with nearly 2 million more international customers.
The records were stolen in October’s reported breach at Medibank, one of Australia’s largest private health insurance providers. Given Australia’s population of almost 26 million people, close to a third of the population could find themselves affected.
The hackers subsequently issued ransomware demands with the threat of releasing the records. With their demands unmet, the hackers then started posting the records in batches, the first on November 8th and the latest dropping on November 14th.
According to Medibank, the records and information could include diagnoses, a list of conditions, and further information such as:
“[P]ersonal data such as names, addresses, dates of birth, phone numbers, email addresses, Medicare numbers for AHM customers (not expiry dates), in some cases passport numbers for our international students (not expiry dates), and some health claims data.”
Medibank continues to keep its customers up to date on the latest developments on its website and further states they will contact customers, via email and post, to clarify what has been stolen and what has been published on the dark web.
Any time a data breach occurs, it means that your personal information could end up in the hands of a bad actor. In the case of Medibank, the hackers posted the stolen information on the dark web, which unfortunately means that the likelihood of a potential scammer or thief obtaining this information is a near certainty.
In light of this, there are a few steps you can take to protect yourself in the aftermath of a data breach, which involves a combination of preventative steps and some monitoring on your part.
Home Affairs Minister Clare O’Neil called for Australians to “Contact Services Australia if you believe there has been unauthorised activity in your Medicare account.” Further, Australians can take the following additional steps to protect themselves in the wake of identity theft.
With some personal information in hand, bad actors may seek out more. They may follow up a breach with rounds of phishing attacks that direct you to bogus sites designed to steal your personal information—either by tricking you into providing it or by stealing it without your knowledge. So as it’s always wise to keep a skeptical eye open for unsolicited messages that ask you for information in some form or other, often in ways that urge or pressure you into acting. Always look out for phishing attacks, particularly after breaches.
If you are contacted by Medibank, make certain the communication is legitimate. Bad actors may pose as Medibank to steal personal information. Do not click on links sent in emails, texts, or messages. Instead, go straight to the Medibank website or contact them by phone directly.
While it does not appear that login information was affected, a password update is still a strong security move. Strong and unique passwords are best, which means never reusing your passwords across different sites and platforms. Using a password manager will help you keep on top of it all, while also storing your passwords securely. Moreover, changing your passwords regularly can reduce your risk in the event of a data breach. Namely, a breached password is no good to a hacker if you’ve changed it.
While a strong and unique password is a good first line of defense, enabling two-factor authentication across your accounts will help your cause by providing an added layer of security. It’s increasingly common to see nowadays, where banks and all manner of online services will only allow access to your accounts after you’ve provided a one-time passcode sent to your email or smartphone. If your accounts support two-factor authentication, enable it.
An identity monitoring service can monitor everything from email addresses to credit cards, bank account numbers and phone numbers for signs of breaches so you can take action to secure your accounts before they’re used for identity theft. Personal information harvested from data breaches can end up on dark web marketplaces where it’s bought by other bad actors so they can launch their own attacks. McAfee’s identity monitoring service helps you keep an eye on your personal info and provides alerts if your data is found, averaging 10 months ahead of similar services.
When personal information gets released, there’s a chance that a hacker, scammer, or thief will put it to use. This may include committing fraud, where they draw funds from existing accounts, and theft, where they create new accounts in your name. This may include identity theft, where someone pretends to be you, generally to gain access to more information or services, and may escalate to identity fraud, where funds are stolen from your account.
Another step that customers can take is to place a credit freeze on their credit reports with the major credit agencies in Australia— Equifax, illion, and Experian. This will help prevent bad actors from opening new lines of credit or take out loans in your name by “freezing” your credit report so that potential creditors cannot pull it for reference. Terms of freezing a credit report will vary, so check with each agency for details.
A complete suite of online protection software can offer layers of extra security. Identity thieves generally focus on easy targets to save time. Elevated security across the majority of your data can make you a far more difficult target. In addition to more private and secure time online with a VPN, identity monitoring, and password management, this includes web browser protection that can block malicious and suspicious links that could lead you down the road to malware or a phishing scam—which antivirus protection can’t do alone. Additionally, McAfee offers support from a licensed recovery pro who can help you restore your credit, just in case.
Per Medibank, some victims of the breach may have had their driver’s licence number exposed. Given that a licence number is such a unique piece of personally identifiable information, anyone notified by Medibank that theirs may have been affected should strongly consider changing them. The process for replacing a licence document will vary depending on your state or territory.
The recent Optus breach of September 2022 saw some states and territories propose making exceptions to the rules for attack victims, so look to your local government for guidance.
Not all data breaches make the news. Businesses and organizations, large and small, have all fallen victim to them, and with regularity. The measures you can take here are measures you can take even if you don’t believe you were caught up in the Medibank breach.
However, you have every reason to act now rather than wait for additional news. Staying on top of our credit and identity has always been important, but given all the devices, apps, and accounts we keep these days leaves us more exposed than ever, which makes protection a must.
The post The Medibank Data Breach – Steps You Can Take to Protect Yourself appeared first on McAfee Blog.
An old banking scam has a new look. And it’s making the rounds again.
Recently Bank of America alerted its customers of the “Pay Yourself Scam,” where scammers use phony fraud alerts and trick their victims into giving them access to their online banking accounts. It’s a form of phishing attack, and according to Bank of America it goes something like this:
The good news is that you can avoid this attack rather easily. If you receive a text or call about a possible fraud alert, don’t respond. (Scammers can easily “spoof” or fake caller ID information nowadays. So even if it appears that the number looks legitimate, it may not be after all.) Instead, contact your bank directly using the contact information on your debit or credit card. This way, you’ll know you’re speaking with the proper representatives about the matter.
Of course, this scam isn’t the only scam making the rounds these days. Whether it’s with some form of phishing attack, stealing passwords on public Wi-Fi, or malware that spies on your keystrokes, scammers use plenty of tricks to crack into online bank accounts. Yet with a few precautions and a sharp eye, you have several ways you can protect yourself.
Online protection software today goes far beyond antivirus. It can protect your privacy, identity, and your online accounts as well. McAfee+ Ultimate provides our most comprehensive coverage with features that monitor the dark web and sketchy data broker sites for your personal information, identity theft and ransomware protection, and identity restoration services should the unexpected happen—all along with our award-winning antivirus protection. In all, it protects you, not just your devices. Together, it offers your strongest line of defense in the face of hackers, scammers, and thieves.
Legitimate banks will never pressure, harass, or cajole you into action. If you get a message that strikes an aggressive tone, assume it’s fraudulent. Other things legitimate banks will never do include:
Earlier, I mentioned contacting your bank directly to ensure you’re speaking to a proper representative. Another way you can go directly to the source is to use your bank’s website or app to check up on your accounts. Once again, don’t click any links in a text or email. Just go to your bank’s website or app to check your account. You can make sure you have your bank’s official app by visiting the Google Play or Apple’s App Store and looking at the information section to ensure that it was indeed developed by your bank—not a copycat.
Strong and unique passwords for each of your online accounts can help keep hackers at bay. With data breaches occurring so often, updating them regularly is important too. Yet with all the accounts we keep, that can mean a lot of work. However, a password manager can create those passwords for you and safely store them as well. Comprehensive security software will include one.
Two-factor authentication is an extra layer of defense on top of your username and password. It adds in the use of a special one-time-use code to access your account, usually sent to you via email or to your phone by text or a phone call. In all, it combines something you know, like your password, with something you have, like your smartphone. Together, that makes it tougher for a crook to hack your account. If any of your accounts support two-factor authentication, the few extra seconds it takes to set up is more than worth the big boost in protection you’ll get.
When you log onto public Wi-Fi, potentially anyone can see your internet activity—and that includes things like entering your username and password. For that reason, only log into your bank account with public Wi-Fi if you’re using a virtual private network (VPN). McAfee Secure VPN protects your privacy by turning on automatically for unsecured networks. Your data is encrypted so it can’t be read by prying eyes. The VPN also keeps your online activity and physical location private and secure from advertisers.
Keeping an eye on your bills and statements as they come in can help you spot unusual activity on your accounts. A credit monitoring service can do that one better by keeping daily tabs on changes to your credit report. While you can do this manually, there are limitations. First, it involves logging into each bureau and doing some digging of your own. Second, there are limitations as to how many free credit reports you can pull each year. A service does that for you and without impacting your credit score.
Depending on your location and plan, McAfee’s credit monitoring allows you to look after your credit score and the accounts within it to see fluctuations and help you identify unusual activity, all in one place, checking daily for signs of identity theft.
When a fraud notification pops up on your phone, you can almost feel your stomach drop. Hackers and scammers play off that fear. They use it to get you to act—and to act quickly. Taking a moment to scrutinize these messages and following up directly with your bank can help you steer clear of their tricks. Likewise, putting up a strong defense with comprehensive online protection software can make you safer still. In the meantime, keep your eyes open for this “Pay Yourself Scam” and other scams like it. It’s certainly not the first of its kind, and it won’t be the last.
The post Steer Clear of the “Pay Yourself Scam” That’s Targeting Online Bank Accounts appeared first on McAfee Blog.
It’s Social Media Day! How are you celebrating? Reposting your very first profile picture from a decade ago? Sharing your most-loved status update or the photo you’re most proud of? This year, consider commemorating the day by learning more about how to keep your information safe. Enjoy your favorite platform, but be on the lookout for scams, such as social engineering.
Social engineering is a cybercrime common to social media sites. It is a tactic where a cybercriminal lurks on people’s social media pages, gleaning personal information that they then use to impersonate them elsewhere.
With more than half of the global population on social media, you may think that a cybercriminal will never single you out from such a huge pool; however, it is possible.1 Luckily, you only have to make a few, easy changes to your online habits to keep your valuable private information just that: private. Check out these tips to make smart decisions and be more confident about your and your family’s online security.
Think of the types of posts you share with your dozens – or even hundreds or thousands! – of followers: updates about your life, where you live, work, or favorite travel destinations, your hobbies, pets, family members, etc. All of these details, that only you and those closest to you should know, are a valuable commodity to cybercriminals. Plus, now that social media shopping is growing in popularity, the credit card information linked to accounts is sweetening the deal for cybercriminals.
Here are a few social engineering scams that are common to social media.
People commonly create passwords based on things, places, and people that are important. Have you ever published a 20 questions-style get-to-know-me post? Those contain a lot of valuable personally identifiable information (PII). With just a few of those details about your personal life, cybercriminals can make educated guesses at your passwords, a tactic called credential stuffing. If they’re able to crack the code to one of your accounts, they’ll then input that password and login variations in several other sites, especially online banking portals, to see if they can gain entry to those too.
You’ve won! Send us your banking information and address, and you’ll receive a package in the mail or a direct deposit to your bank account!
But did you enter a drawing for a prize? Very rarely does anyone win something just by being a follower of a certain page. If you receive a message similar to the above, it’s likely a phisher trying to draw more PII and sensitive banking information out of you. Or, the message may have links within it that redirect to an untrustworthy site. If you regularly enter social media contests, keep a list and only respond to legitimate ones. Also, never give your banking information out over social media, private messages, or email.
There are plenty of valid fundraisers and petitions circulating around social media; however, there are just as many social engineering scams that dupe social media users because they inspire a strong emotion in them. For example, there have been several scams around Ukrainian donation sites. Cybercriminals often use fear, anger, or sadness to inspire people to open their wallets and share confidential banking information.
Luckily, all it takes is a few smart habits to stop social engineers in their tracks. Consider the following tips and make these small changes to your social media usage:
At this point, you’ve probably had several of your social media accounts active for over a decade. That means it’s time to do some cleaning out of your friends and followers lists. It’s best to only accept requests from people you personally know and would actually like to keep in the loop about your life. A friend and follower request from strangers could be cyber criminals in disguise. Also, consider setting your account to private so that your posts are invisible to strangers.
Social engineering hacks often bank on people acting rashly and quickly because of strong emotion, either excitement, fear, sadness, or anger. If you see a post on your newsfeed or receive a direct message that gives you a tight window to respond and asks for PII, slow down and think before acting. Double-check the destination of every link in the message by hovering over it with your cursor and checking the link preview at the bottom of your browser screen. Be careful, because some link previews include slight misspellings of legitimate websites. As a great rule of thumb, be automatically skeptical of direct messages from people you do not personally know. And if a DM from a friend seems out of the ordinary, shoot them a text to confirm they actually sent it. It could be that their social media account was hacked and a criminal is spamming their followers.
A password manager will go a long way toward ensuring you have unique, strong passwords and passphrases for every account. Not reusing passwords makes credential stuffing impossible. McAfee True Key stores all your logins and passwords and guards them with one of the strongest encryption algorithms available. All you need to do is remember your master password. It’s a great practice to also enable multifactor authentication whenever a website offers it. This makes it incredibly difficult for a cybercriminal to break into your online accounts with their educated guesses at your password.
Now that you know what to look for and the best tricks to be safe, you can feel more confident that you’re doing everything you can to protect your online accounts and private information. McAfee Protection Score can also help you take control of your online safety. This service allows you to monitor your current online safety and encourages you to take specific steps to improve it. Now you can enjoy digitally keeping in touch with your friends with peace of mind!
1Smart Insights, “Global social media statistics research summary 2022”
The post It’s Social Media Day! Here’s How to Protect Yourself From Social Engineering Online appeared first on McAfee Blog.
A good time to check if someone is using your identity is before it even happens.
One of identity theft’s several downsides is how people discover they’ve become a victim in the first place—by surprise. They go to rent an apartment, open a line of credit, or apply for financing, only to discover that their finances or reputation has taken a hit because of identity thief.
And those hits add up, particularly when you look at the dollars involved. In 2020, the Federal Trade Commission (FTC) reported $3.3 billion in financial losses from 4.7 million reported cases of fraud, a 45% increase over the year prior. Of those reports, identity theft was the leading fraud category, accounting for 29% of fraud incidents.
Plenty. Depending on the type and amount of information an identity thief gets their hands on, they can harm your finances and reputation in several ways, including:
Rather than ending up with a rude and potentially costly surprise of your own, you can get ahead of thieves by checking to see if someone is using your identity before it’s a problem or before it really takes root.
Major data breaches that expose personal information seem to hit the headlines with some regularity, not to mention the many, many more that don’t get national or international press coverage. Most recently we have the Neiman Marcus breach, where this major retailer alerted 4.6 million customers that “an unauthorized party obtained personal information associated with certain Neiman Marcus customers’ online accounts.”
And as it is with many such breaches, it took quite some time before the theft of information was discovered. Per Neiman Marcus, it’s believed that the breach occurred in May 2020 and only discovered in September of 2021. Potentially compromised information included:
Whether or not you have reason to suspect that your information got caught up in this recent large-scale breach, it serves as a good reminder that any time is the right time to check up on your identity. Acting now can save headaches, potentially big headaches, later.
Quite a bit of identity theft prevention begins with taking stock of the accounts and services you have in your name. This ranges anywhere from bank accounts to public utilities and from credit cards to loans, all of which contain varying degrees of personal information about you. With a sense of where your personal identity is being used, you can better look for instances where it’s being misused.
Ways you can spot for possible identity theft include:
If you stop receiving a bill that normally comes to you, such as a utility bill or for a department store credit card, that could be a sign that a thief has changed the mailing address and has potentially hijacked your identity.
This is rather straightforward, yet it reminds us how important it is to look at our statements closely. Charges that you didn’t ring up or that seem slightly higher than normal are a surefire sign that you should follow up with the bank or company involved and let them know of possible fraud.
In the U.S., you have annual access to free credit reports from the major credit reporting agencies. Not only will this give you a sense of your credit score, but it will also show the credit that’s open in your name, along with addresses associated with your identity. Spotting an account that you haven’t signed up for or seeing an address of a residence that you’re not renting are other common signs that your identity may have been compromised.
With the number of accounts many of us have these days, a credit monitoring service can help you stay on top of what’s happening in your name. Often offered through banks, credit unions, and even insurance providers, credit monitoring can alert you in several instances, including:
Overall, credit monitoring can act as another set of eyes for you and spot potential identity issues. Different services provide different levels of monitoring, so consider reviewing a few options to find the one that works best for you.
One like our own Identity Protection Service will monitor several types of personally identifiable information, alert you of potentially stolen personal info, and offer guided help to neutralize the threat—in addition to offering several preventative steps to help keep theft from happening in the first place. With this set up on your computers and smartphone you can stay in the know and address issues immediately.
Along with keeping an eye on what’s happening with your identity online and elsewhere, there are a few more things you can do to make it tougher for thieves to steal your identity.
Given all the banking and shopping we do on our computers and phones, installing and using comprehensive online protection software is a must these days. It puts several layers of security in place, such as creating complex passwords automatically, shielding credit card info from prying eyes, and protecting your privacy and data online by connecting with a VPN. In short, online protection software acts as a solid first line of defense.
As mentioned above, comprehensive online protection software often includes a password manager that can generate strong, unique passwords for each of your accounts and remember them for you. It’s extra protection that makes life a lot easier for you by managing all the accounts you’re juggling. Also, use MFA (multi-factor authentication) on the accounts that give you the option, which makes it harder for a thief to crack your accounts with a password alone.
Sensitive documents come in all forms. Top-of-the-line examples include things like tax returns, bank statements, and financial records. Yet there are also things like your phone and utility bills, statements from your doctor’s office, and offers that come to you via mail. Together, these things can contain personal information such as account numbers, your full Social Security Number, the last four digits of your Social Security Number (which can still be useful to thieves), and other information that may uniquely identify you. You’ll want to dispose of sensitive documents like these so that they can’t be harvested by hackers.
For physical documents, consider the low-cost investment of a paper shredder to help ensure they don’t fall into the wrong hands when you are done with them. (And let’s face it, they’re fun to use!) For digital documents, simply deleting a file is not enough – online protection software is a great resource that often includes a digital document shredder, designed to render the data practically unusable when you’re ready to trash the file.
Your Social Security Number is one of the most prized possessions a thief can run away with because it is so closely associated with you and things like your tax returns, employment, and so on. Keep it stored in a safe location rather than on your person or in your wallet. Likewise, be careful about giving out your SSN. While organizations like the IRS, your bank, and employer require it, there are other organizations who do not—but may ask for it anyway. (Doctor’s offices are a prime example.) If you get such a request, ask them what they intend to use it for and then ask if another form of identification will work instead.
Phishing attacks are one of the primary ways identity thieves steal personal information. Whether they come via a direct message, on social media, or through email, text, or phone calls, thieves use them to harvest your personal info by posing as a legitimate organization—such as in this recent IRS phishing scam. Phishing is a topic all unto itself, and you can check out this quick read to see how you can spot phishing scams and protect yourself from them.
Like any criminal, identity thieves do their dirtiest work in the shadows—quietly stealing money under your nose, or worse, as we outlined above. By shining a light on your identity and keeping regular track of what’s happening with it, you can spot unusual activity right away. Even the small stuff is important. A co-worker of mine once saw an incorrect address listed on his credit report. Turned out, that address was used to rack up several large charges at a retailer, which he was able to fix with the aid of the credit reporting agency and the retailer in question.
No doubt about it. Identity theft is indeed on the rise, and your best bet to avoid such a nasty surprise is to keep an eye on your digital identity the same way you keep an eye on your actual wallet.
The post How to Check if Someone is Using Your Identity appeared first on McAfee Blog.
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