Veterans are prime targets for identity thieves due to the sensitive personal information stored in military records, VA files, and Social Security numbers. The Office of Personnel Management (OPM) hack and multiple VA data breaches have exposed this data, putting veterans at significant risk. This article outlines the exact steps to secure your finances and benefits.
Why Veterans Are Prime Targets
Criminals actively seek out veterans because their records often contain detailed personal data, including Social Security numbers, medical histories, and disability ratings. This information can be used to file fraudulent VA claims, open credit accounts, or steal benefits.
The OPM Hack and VA Breaches – What Was Exposed
The OPM breach compromised background check records of millions of federal employees and contractors, including veterans. Additionally, several VA data leaks have exposed names, Social Security numbers, and medical information. If you have ever filed a VA claim or applied for federal employment, your data may be at risk.
Credit Freezes and Fraud Alerts
To prevent criminals from opening new accounts in your name, place a credit freeze with all three major credit bureaus: Equifax, Experian, and TransUnion. A freeze is free and blocks lenders from accessing your credit report. Alternatively, you can set a fraud alert, which requires businesses to verify your identity before issuing credit. Fraud alerts last one year and can be renewed.
Protecting Your VA Account
Secure your VA.gov account by enabling two-factor authentication (2FA) through a text message or authenticator app. Use a strong, unique password and never share it. Monitor your account regularly for any unauthorized changes to direct deposit information or address.
If a Fraudulent Claim Has Already Been Filed
If you discover a fraudulent claim filed in your name, contact the VA Fraud Hotline at 1-800-827-1000 and report it immediately. File a report with the Federal Trade Commission (FTC) at IdentityTheft.gov and your local police department. You may also need to notify the VA's Office of Inspector General.
Free Credit Monitoring and Your Next Steps
Several services offer free credit monitoring for breach victims. Check if you are eligible for free monitoring through the OPM settlement or your VA benefits. Continue to monitor your credit reports annually at AnnualCreditReport.com and stay vigilant for suspicious activity.
Tip: Act quickly – identity theft can take months to resolve, but immediate action minimizes damage.