It's like home Wi-Fi. If you buy a home Wi-Fi router, it's up to you to change the default passcode. Retailers should be securing their own machines. And machine resellers should be helping them do it.
Trustwave, which helps protect retailers from hackers, said that keeping credit card machines safe is low on a store's list of priorities. This problem reinforces the conclusion made in a recent Verizon cybersecurity report: that retailers get hacked because they're lazy. The default password thing is a serious issue. Retail computer networks get exposed to computer viruses all the time.
Consider one case Henderson investigated recently. A nasty keystroke-logging spy software ended up on the computer a store uses to process credit card transactions. It turns out employees had rigged it to play a pirated version of Guitar Hero, and accidentally downloaded the malware.
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Let us know if there is a problem with our content. Your message to the editors. Your email only if you want to be contacted back. Send Feedback. Thank you for taking time to provide your feedback to the editors. E-mail the story How it takes just six seconds to hack a credit card. Your friend's email. Your email. Can you contact those businesses? If you do determine that your credit card has been hacked, report it right away. Then call one of the credit reporting agencies and place an initial fraud alert on your credit report.
This service is free, and whichever bureau you choose must notify the other bureaus too. An initial fraud alert makes it difficult for thieves to open new accounts in your name because businesses have to verify your identity first.
Related article: Fraud Alerts and Credit Freezes. This would be a good time to order your credit reports. The longer you wait, the greater your liability. Finally, create an identity theft report with these tips from the FTC.
Once you notify your creditors by phone be sure to send written notification too. According to the Federal Trade Commission , how quickly you notify your creditors determines your amount of liability. Keep the following in mind as you work your way through the issue. Monitor your statements closely over the next few months.
Any correspondences with your creditors, the credit reporting agencies, or any businesses you contact in regards to the fraud should be logged and dated. Keep a copy of all documentation. In , 7. Bureau of Justice Statistics.
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