GREENSBORO, NC -- The Target data breach has millions of people asking the question, "What do I do now?".
Monitoring your account sounds too easy, but really, being consistent with that is not usually high on the list for most consumers.
You need to looking at your bank account statements paper or on line more than just once a month. And a quick side note, don't look at your mobile banking app on a public wi-fi!
If you used your debit card at Target, you may want to ask your bank about a new debit card or putting an alert on your account. Using a debit card---even if you use it as "credit"-- makes you more vulnerable. Here's why: a debit card (no matter how you use it) is always tied to your bank account. This means money can be drafted. It will take time to get the money back in your account. Usually it's about 7 days, but it could be longer. Do you want to be without access to cash for that long?
If you have questions about your account or suspect unathorized activity, Target has a special number for you to call. It's 866-852-8680.
Target's site recommends you check your credit report. The ONLY truly free credit report is sponsored by the government. It is: AnnualCreditReport.com
Each year you are entitled to one free credit report from each of the three agencies: Experian, Trans Union and Equifax. To really protect yourself you should space them out every four months-- so in January get it from Experian, in may get it from Trans Union and in November get it from Equifax.
We know after a while this will not be top of mind. So, 2 wants to know will remind you to get the report. You can sign up for our free email reminders. It's on the right hand side of the 2 Wants To Know section.