The Capital One breach has exposed the personal information of 106 million customers and applicants in the U.S. and Canada.

ByBourree Lam July 30, 2019

In this latest massive consumer-data breach, a hacker accessed the personal information of 100 million Capital One credit-card customers and applicants in the U.S. and six million in Canada.

The breach stands to be one of the worst for U.S. consumers because of the type of financial information that was accessed. This valuable consumer financial information can be used to figure out the identities of the most creditworthy or affluent consumers and open a card or loans in their names.

Here’s what you need to know if you have a Capital One credit card or have applied for one in the past, and how to protect your accounts and information.

• I have a Capital One credit card. What happened?

Sensitive identity information about consumers and small businesses who applied for Capital One credit cards between 2005 and 2019 was exposed. So if you have a Capital One credit card, or have applied for one in that time frame, your information is part of this data breach.

The information leaked includes names, addresses, ZIP Codes, phone numbers, email addresses, dates of birth and self-reported income, the bank said. Consumer data including credit scores, credit limits, balances, payment history and some transaction data are also part of the breach. Also exposed were about 140,000 Social Security numbers and 80,000 linked bank account numbers.

What to do for Capital one customer:

• The bank is offering free credit monitoring and identity protection to those affected “through a variety of channels,” but won’t be calling anyone — and it warned customers not to give out information over the phone or email.
• Freeze your credit by contacting Equifax, Experian or Transunion. The process is free and guaranteed by federal law.
• Change your passwords for all financial profiles and set up two-factor authentication.

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