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It struggled to keep up with the deluge of phone calls and messages from worried consumers. At one point, it even accidentally pointed those seeking information on the breach toward a fake website.

Last year, Equifax named Mark W. Begor, an outsider who had worked in private equity, as its new chief executive.

Begor said in a statement. Some aspects of the settlement — particularly who exactly will be approved for compensation because their identities were stolen — remain to be seen.

Lawyers representing the consumers in the settlement say people who were victims of fraud after the breach will be eligible for settlements even if they cannot prove that the Equifax theft directly caused their loss.

Begor said at a news conference on Monday. Settling the case quickly is probably a better outcome for consumers than years of legal battling, he added.

Peterson said. Major data breaches have become an almost routine occurrence. Last year, the Marriott hotel chain disclosed that thieves had stolen personal details on roughly million guests, an attack that has been attributed to a Chinese intelligence-gathering effort.

In May, a security journalist revealed that a major title insurance company, First American Financial Corporation, had left nearly million documents related to mortgage deals online and unprotected.

Think about options before deciding on a short-term loan: Neighborhood resources. Re re re Payment extensions. Part jobs.

Loan providers which have few or no needs have a tendency to provide greater prices and charges than loan providers which can be more challenging to qualify with.

Could lose your vehicle. Cycle of financial obligation. A customer Financial Protection Bureau CFPB study unearthed that just one in eight single-payment name loan borrowers had the ability to spend back once again their loan without reborrowing.

Evaluate these alternatives first before using away a name loan: Take on a side gig. Think about credit guidance.

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State-issued ID. Loan providers frequently ask to visit your state-issued ID. After the hack, the company will typically have a serious review of its IT security.

Meanwhile, the CISO, provided they are still in the job, will go on a shopping spree. I have seen that quite a bit. Following the hack, for example, Target built a new cyber centre, bringing together all its IT security teams.

But buying in technology will not on its own make companies safer. A complete change of tactics may be needed. TalkTalk is working not only with conventional security companies such as BAE Systems, but is looking for new ways to test its systems.

Mr Love of Hacker House says companies need to go back to basics. For example, they should review how reliant they are on third-party code they have not written themselves, which is probably more vulnerable.

Companies must also train employees to become more vigilant and suspicious of emails that look unfamiliar, he says.

Collaboration with other security professionals could also be improved. One idea that companies are increasingly exploring is so-called bug bounty programmes, where the company pays outsiders who notify it of security flaws.

Big US technology companies such as Google and Facebook have operated such programmes for several years.

More recently platforms such as Bugcrowd and HackerOne have created places where any company can ask independent security researchers to test its systems.

There is brand reputation and possibly many people who are impacted. The fallout from the Sony Pictures hack was widespread.

Employees had their social security numbers exposed and will have to be vigilant about identity theft for the rest of their lives.

Leaked emails caused embarrassment to the studio, fuelling weeks of showbiz media stories. It ultimately led to the departure of Amy Pascal, co-chair of the film studio.

Target chief financial officer John Mulligan testifies before the US Senate Commerce Committee in March TalkTalk says it is starting to see customer numbers growing again, but the investigation into the incident is continuing.

The young ages suggest the hackers were cyber vandals rather than career criminals. The FBI and US President Barack Obama officially linked the Sony Pictures hack to North Korea, although some security professionals say the evidence presented by the FBI was scant.

There has also been speculation it could have been an inside job by disgruntled employees. No one has yet been arrested in connection with the hack.

The reality is that there is often no closure. The defenders have to be lucky all the time. To read more on cyber security , subscribe to FT.

Written by Maija Palmer Edited by Owen Walker Design by Alan Knox Video and photography by Charlie Bibby, Anna Gordon, Anne and Michael LoBiondo Graphics by Graham Parrish, Kari-Ruth Pedersen Production by Ruth Lewis-Coste Additional photography: Bloomberg, AFP, NuPhoto, Getty Images, Reuters Built with Shorthand.

Cyber attack survival guide by Maija Palmer. Have you been hacked? Immediate response. Can we keep it a secret? The first seven days. How much will it cost?

Making sure it does not happen again. When is it over? Nearly three years after its attack, Target is still dealing with lawsuits. Credits Written by Maija Palmer Edited by Owen Walker Design by Alan Knox Video and photography by Charlie Bibby, Anna Gordon, Anne and Michael LoBiondo Graphics by Graham Parrish, Kari-Ruth Pedersen Production by Ruth Lewis-Coste Additional photography: Bloomberg, AFP, NuPhoto, Getty Images, Reuters Built with Shorthand.

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