Your credit card could be compromised by a shady online merchant, a card skimmer, or even a waiter in a brick-and-mortar restaurant. Not every hack starts with a well-publicized data breach. The antivirus running on your computer is utterly powerless against a security attack on a faraway server. Don’t imagine that you can prevent a breach. The only upside is that you're one among possibly millions, so the hackers may never get around to weaponizing your details. And you will be affected, if not this time then the next.

Frequently the affected service spins up a web page where you can check whether you were affected. When a major hack attack or data breach occurs, it’s all over the news. What can you do when you realize that you’ve been hacked?

Either way, they’ll try to make money from their unauthorized access, and they may well do it before you even realize anything is wrong. But it’s just as possible that hackers got access to one of your accounts through a data breach and parlayed their access into a full-on hack attack. When you discover that your personal information has been hacked, your first thought may be, why me? Why couldn’t it have been someone else? In truth, you might have fallen victim for a reason, perhaps a weak, easily guessed password, or a too-public social media account.

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