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Stop round two

Once you've been hacked, you're a target. Make yourself a hard one. This plan is free for everyone. Print it, share it, and keep it by the phone.

1. 1

   Make a callback rule — and stick to itDo this first

   Thieves who got you once often come back pretending to be your bank, the police, or a 'refund' department.

   • If anyone calls, texts, or emails about your money, hang up.
   • Call back only using the number on your card, statement, or the official website.
   • Write this rule on a card by your phone.
2. 2

   Ignore anyone offering to get your money backDo this first

   'Recovery' scams target recent victims and ask for a fee up front.

   • Real agencies never charge to recover stolen money.
   • Never pay with gift cards, wire transfers, crypto, or payment apps to someone who contacted you.
   • If unsure, call us at (443) 379-4412 before doing anything.
3. 3

   Keep your credit frozen

   A freeze stops new accounts being opened in your name, and it costs nothing.

   • Freeze at Equifax, Experian, and TransUnion if you haven't already.
   • Leave it frozen; lift it only briefly when you apply for credit.
   • Keep the PINs or logins somewhere safe at home.
4. 4

   Turn on account alerts

   Alerts tell you within minutes if money moves, instead of weeks later on a statement.

   • Ask your bank to text or email you for every withdrawal and login.
   • Do the same for credit cards and Social Security (ssa.gov/myaccount).
   • Make sure alerts go to your current cell phone, not an old landline.
5. 5

   Use a different password for each important account

   When one password leaks, thieves try it everywhere else.

   • Start with email and bank: make each password long and unique.
   • A written password book kept at home is fine — never carry it.
   • Turn on two-step sign-in so a code goes to your phone.
6. 6

   Lock down your mail

   Washed checks often start with mail stolen from a mailbox.

   • Drop outgoing checks inside the post office, not in a curbside box.
   • Sign up for USPS Informed Delivery to see what mail is coming.
   • Use a pen with gel ink for checks; it's harder to wash.
7. 7

   Choose a trusted contact

   A second pair of eyes stops most scams before money leaves.

   • Ask your bank to add a trusted contact person to your account.
   • Agree with a family member or friend: 'I'll call you before I send money to anyone.'