Capital One Information Breach Estimated to Affect 100 Million U.S. Customers

What You Need to Know

July 31, 2019 |

Photo by Nathan Dumlao on Unsplash 

 

Capital One recently became aware of a breach that compromised information from Capital One credit card applicants and Capital One credit card customers. The company estimates that about 100 million customers in the U.S. have been affected.  

 

Need-to-Know Details From the Official Capital One Statement: 

The breach accessed information of credit card applicants who applied between 2005 – 2019. Information possibly compromised includes:

  • “Names, addresses, zip codes/postal codes, phone numbers, email addresses, dates of birth, and self-reported income.”

The breach also accessed information of credit card customers. Information possibly compromised includes:

  • “...credit scores, credit limits, balances, payment history, contact information, and fragments of transaction data from a total of 23 days...” 
  • Approximately 140,000 Social Security numbers and 80,000 linked bank account numbers. 

 

Next Steps 

Following the incident, the hacker has been arrested and an investigation is in progress. Capital One plans to alert all affected customers and provide them credit monitoring and identity protection free of charge.  

 

In the meantime, Minnesota State University, Mankato’s Information Security Team provides the following recommendation for individuals affected: 

  • Unless you are actively applying for new credit, such as credit cards or loans, you should sign up for a credit freeze*:
    • This will require your credit to be “thawed” by you with a secure password before any credit accounts can be opened in your name.
    • For maximum security, freeze your credit at each of the three major credit bureaus: Equifax, Experian, and TransUnion

 *Note that a credit freeze is different from a credit lock. A credit freeze is federally regulated and is offered free. Credit locks are not federally regulated and may include a fee. Learn more about credit freezes and credit locks 

  

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