If you used a budget travel site to book your vacation, take note: Your data might be compromised.
On March 20, Orbitz announced that it was the target of a cybersecurity attack potentially affecting 880,000 people. Hackers were able to access information such as names, birthdates, phone numbers, and email and billing addresses.
If you’re one of the thousands affected, here’s what you need to know about the Orbitz credit card data breach and what you can do to protect yourself.
What’s the Orbitz credit card data breach?
According to Orbitz, the breach likely occurred between Jan. 1, 2016, and Dec. 22, 2017. Hackers were able to steal information about customers’ payment cards and their personal data. However, Social Security numbers were not affected.
The Orbitz credit card data breach doesn’t impact just Orbitz customers. Because the company provides a backend booking system for companies such as American Express, other customers could also be affected.
How the hackers got the information is unclear.
“To date, we do not have direct evidence that this personal information was actually taken from the platform and there has been no evidence of access to other types of personal information, including passport and travel itinerary information,” Orbitz said in a statement to Reuters.
How to find out if you’re affected
Orbitz said that the breach occurred between 2016 and 2017. If you used Orbitz or one of its partners, such as AmEx Travel, during or before that period, hackers might have accessed your information. Orbitz will notify affected individuals.
What you should do next
Because so many credit cards were hacked, it’s important to take action now to protect yourself from identity theft and fraudulent charges. Follow these three steps to foil thieves’ attempts to use your information:
1. Place a fraud alert on your credit report
If you used Orbitz or one of its partners to book travel, there’s a chance your information is compromised. You can protect your credit by placing a fraud alert on your credit report.
When you put a fraud alert on your account, it lets lenders and creditors know that your information is at risk. Any creditor who wants to access your credit report needs to take additional steps to verify your identity before they extend any offers for a loan or credit card. This approach can prevent thieves from opening new accounts in your name.
Placing a fraud alert on your account is free. You can set an alert for 90 days or up to seven years, depending on your needs.
To place a fraud alert on your account, contact any of the three credit reporting agencies:
If you contact one of them, the agency is responsible for notifying the other two.
2. Sign up for identity protection
Due to the data breach, Orbitz is offering a year of free identity protection services and credit monitoring.
If you don’t qualify for free identity protection through Orbitz, or if you want additional protection to be on the safe side, it’s a good idea to find another company that provides identity monitoring services.
Credit Karma now offers free identity protection, for example. It notifies you when your information might be compromised and helps you create a plan to reduce your risk of fraud.
3. Monitor your credit
Even if you use identity and credit monitoring services, it’s wise to review your credit report regularly, too. You can request a copy of your credit report from each of the three credit reporting agencies for free once a year at AnnualCreditReport.com.
One strategy to consider is to request a copy from a different credit reporting agency every four months. That helps ensure you have the latest information throughout the year.
When you get your credit report, read it carefully to ensure every account listed is legitimate. If you see any discrepancies, such as a credit card you didn’t open, notify both the company behind the account and the credit reporting agencies right away. If you’re not sure what to look for, this article on how to read your credit report can help.
Protecting your information
If your personal information is compromised, it’s essential that you remain vigilant. Hackers and thieves don’t always use stolen information right away; they sometimes wait months before using your information to open new accounts or make charges. Keep an eye on your credit report, check your billing statements, and monitor your credit cards to stay safe.
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1 Important Disclosures for SoFi.
2 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at email@example.com, or call 888-601-2801 for more information on ourstudent loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
3 Important Disclosures for Laurel Road.
Laurel Road Disclosures
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
4 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.
All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.54% – 7.12%3||Undergrad & Graduate|
|2.54% – 7.27%1||Undergrad & Graduate|
|2.67% – 8.96%4||Undergrad & Graduate|
|3.23% – 6.65%2||Undergrad & Graduate|
|2.69% – 7.43%5||Undergrad & Graduate|
|2.98% – 9.72%6||Undergrad & Graduate|