(CONSUMER REPORTS) — It seems like there’s always news of another data breach, like the recent one at a huge data broker that could potentially affect tens of millions of us.

Whether you’ve been a victim or want to proactively protect your personal information, Consumer Reporter Jeremy Jenkins explains what Consumer Reports says you can do now before the hackers strike.

Like many of us, Consumer Reports Tech Editor Nicholas De Leon knows how it feels to be the
victim of a data breach. His advice is, first, don’t panic. His Social Security number was stolen
in the big Equifax hack, and he eventually sorted everything out.

One important step Nicholas took was freezing his credit at the big three credit agencies; a
move CR generally recommends since it can help prevent criminals from opening new accounts
in your name.

The thing is, anytime you need credit—say you’re going to rent an apartment or you’re going to
buy a new phone—you’ll need to unfreeze your credit to do so. You can do all of this by simply
calling the credit agency and asking them to freeze and unfreeze your credit as needed.

A less restrictive option is contacting the credit agencies to put a fraud alert on your credit. This
alerts lenders to take extra steps to verify someone’s identity because their personal information
may have been compromised.

It’s also a good idea to keep an eye on your free weekly credit reports, credit score, and credit
card statements. If you notice any unauthorized charges on your credit card statement, you
should immediately contact the issuer.

Finally, if you’re a victim of a data breach, be sure to change your password, not only on your
hacked account but also anywhere else you’ve used it.

And a pro tip: Instead of reusing passwords in the future, consider using a password manager.
They generate and store unique, complex passwords for each of your accounts. Many will also
alert users if their password was leaked in a data breach, including CR Recommended password
managers from 1Password, Dashlane, and Keeper.

CR also suggests getting rid of any online accounts you no longer use since having too many
digital accounts increases the risk of your data being misused or stolen.