We live in a time when ransomware attacks on businesses and governmental entities are increasingly common. That’s typically when a bad actor gets into a system, encrypts all of the data, and only allows access to it if you pay to get it back.

We also live in a time when you’re likely to get contacted by multiple companies over a year telling you that your information may have been compromised in a data breach and offering you compensation in the way of credit monitoring. Which is helpful unless you already have credit monitoring from the last breach.

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