信用卡公司Discover发来的通知，8/20/2024 在Dark Web site 发现了我的SSN。名字和SSN的确都是我的，地址和座机电话却是10几年前我在学校里的用过，现在已经废弃不用的了。 至于我的生日，不知是否也能被找到？以前确实曾收到几次购物网站和医疗机构发来的、关于客户或病人的数据被盗的邮件，当时也没时间去折腾。

另外，我共有三张信用卡，前两周另外2张信用卡US Bank和Chase也在网上被盗用，虽然都是小数目，信用卡公司也都帮忙拦下并换了新卡。其实目前常用的只有US Bank。Chase和Discover都是老卡，平时不常用，只是为了信用卡分数，舍不得关掉。

Discover给了一堆建议，GPT4o给出的建议更多。感觉如果要一个个去解决的话，麻烦一大堆，实在没有心力。而且不知是否仍会后患无穷？毕竟现在大数据无所不在。

不知能不能申请更换SSN呢？如果换了SSN之后，是否也会引起其他的麻烦呢？



不知是否有遭遇类似事件的网友，能否分享一下你的解决办法？谢谢！！

附：

1）信用卡公司的邮件：

Compromised Social Security Number

We have located your Social Security number on a Dark Web site. Review the date your Social Security number was found as it may have been in the past.

Potential Site

nationalpublicdata.com

Records Found On

08/20/2024

Found With

Social Security Number

Steps you can take to help further protect your Identity:

• Place a fraud alert on your credit file at Experian.com/fraud, or via phone at 1-888-397-3742 by following the fraud alert prompts.
• Request and review a copy of your latest credit report at AnnualCreditReport.com to confirm no fraudulent activity has occurred.
• Access additional resources or report the issue at the Social Security Administration online at Ssa.Gov/Fraud, or via phone at 1-800-772-1213

If you need further assistance please contact us at 1-800-347-4907.

2）GPT4o：Having your Social Security number located on the dark web is a significant security concern, as it suggests your SSN could be at risk of misuse for identity theft. Here’s what you should consider and do:

1.    Verify the Notification Source: First, confirm the legitimacy of the notification. Some scammers use fake alerts to trick people. Ensure the notification comes from a credible source, such as a credit monitoring service or financial institution you trust.

2.    Monitor Your Credit: If the alert is real, immediately check your credit reports for any suspicious activity. You can obtain a free report from each of the three major credit bureaus—Experian, TransUnion, and Equifax—at AnnualCreditReport.com.

3.    Place a Fraud Alert or Credit Freeze: A fraud alert informs creditors to verify your identity before opening accounts in your name. A credit freeze, which is stronger, prevents new accounts from being opened under your SSN. You can set these up through each of the major credit bureaus.

4.    Consider Identity Theft Protection: Services like LifeLock, IdentityForce, or Aura offer more robust protection and monitoring and can help detect and address suspicious activity.

5.    Report Any Identity Theft Immediately: If you find any signs of misuse, report it to the Federal Trade Commission (FTC) at IdentityTheft.gov, and they will help you create a recovery plan.

Changing Your SSN is rarely done, even in cases of identity theft, and generally is only approved under specific circumstances. However, by taking these proactive steps, you can help prevent or address misuse effectively.

请问 freeze 信用对我们自己有什么不利的地方吗？