![]() Tap or click here to learn more about that awful situation. The 3 billion-plus Yahoo records compromised between 2012-2016 earned the company the top spot on the top 10 worst data breaches of all time. Hackers gain access to a trove of data, and companies are left to clean up the damage. So, what exactly is a data breach? A data breach occurs when information is accessed, taken or used by an individual, application or service without authorization. One way to prevent damage from this type of exploit is to freeze your credit. Tap or click to see how bad these breaches can be. Unfortunately, data breaches strike often and can destroy your credit. Other detrimental entries include bankruptcy or a data breach. One way to avoid bad credit is to be financially responsible and watch your credit reports. When you review your reports, pay attention to late payments, accounts in collections and defaults on loans that can wreak havoc on your credit score. ![]() What does a poor credit rating get you? A borrowed vehicle and a sleeping area in mom and dad’s basement. It allows you to purchase assets like a car or home. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs.Good credit equals financial freedom. These ads are based on your specific account relationships with us. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.Īlso, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. If you opt out, though, you may still receive generic advertising. If you prefer that we do not use this information, you may opt out of online behavioral advertising. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Relationship-based ads and online behavioral advertising help us do that. ![]() ![]() We strive to provide you with information about products and services you might find interesting and useful. Filing this report serves as proof that you are a victim of identity theft and will also afford you some important rights when you begin to clean up your credit. You should also visit to file an identity theft report. If fraud has already occurred, take immediate action to close any unwanted accounts opened in your name. In many states, the freeze remains until you request to remove it, but some states remove the freeze automatically after seven years. To end your freeze permanently, you need to submit a request to the three credit bureaus. Depending on state law, you may be charged a fee each time your freeze is lifted. ![]() You can also lift the freeze for a specific time period by contacting the credit reporting agencies. Not all Creditors can use the PIN, so be aware of both methods and ask which method will be required prior to applying. Credit bureaus can provide a PIN or do a general lift of the freeze, and both will allow a Creditor to review your credit file. To apply for credit again, you'll need to lift the freeze in one of two ways. ![]()
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