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TJX/TJ Maxx Data Breach Hits Home

No security, no accountability. TJ Maxx
(Image is in the Public Domain)

So today my wife received a letter from our bank saying that her card was included in the data breach. They were very pleasant and helpful (as credit unions tend to be), but one thing caught my attention:

If at any time you suspect you may be a victim of fraud or identity theft, you may place a fraud alert on your credit file with one of the three major credit-reporting [companies]. A fraud alert will require any company or creditor to contact you to authorize any new accounts or loans.

For the record, fraud alerts are required, but can be ignored. The problem is that it's the issuing company's responsibility to check for the fraud alert and act accordingly. Since it hurts their business to do so, it's far more likely that they will "miss" the flag (especially when they're on commission). That means that it may help and it may not.

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