Cybercriminals can use your personal data found on the dark web to access your financial accounts and potentially steal your identity. But how would you even know if your credit card information or Social Security number is living there?
You’re unlikely to hop on the dark web and check for yourself. The dark web is the part of the internet that you can’t find through conventional search engines. It wants to be hidden. To get there, you need what’s called an anonymizing browser and a specialized search engine.
“It is very scary down there,” said Rajiv Kohli, a business professor at William & Mary. Kohli specializes in cybersecurity research and the dark web -- and, yes, he’s been on it.
Signing up for an identity theft protection service is one of the best ways to find out if your sensitive data is on the dark web. You may consider signing up for an identity protection plan if you don’t already have one. Roughly 23.9 million people were victims of identity theft in 2021, according to a study by the Bureau of Justice Statistics. That’s 9% of the population (of US residents 16 years old and older), according to the study released in Oct. 2023.
But even identity theft protection has its limitations. The truth is, you can never really be sure whether your private data is in the hands of cybercriminals. But there are some giveaways that your personal information may be available to identity thieves.
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Is my personal information on the dark web?
So how can you tell if your personal data is on the dark web? There are several signs you’ll want to look for.
Random emails, texts and phone calls
Everyone gets these, and they’re not automatically a sign that your information is on the dark web. Still, it’s a possibility. Kohil says that if you’re getting a lot of unwanted junk emails, calls and texts, “it’s probably because someone purchased a list to run some sort of financial scam, and your information was on it.”
Unfamiliar purchases on your credit card
Your Spidey senses should start tingling if this happens to you. “Even if they are small, it could be because someone has purchased your credit card number from a list of hundreds of credit card accounts which are sold for as low as just five cents apiece on the dark web,” Kohil says. Your bank will normally send you a new card after suspicious purchases are identified or reported.
You’re locked out of your bank account
It’s one thing if you forgot your password and guessed too many times for your bank’s comfort. But if that isn’t the case, and you find yourself locked out, it’s possible that someone else has tried to log in to your account too many times.
Odd health insurance claims
If you’re getting medical bills for procedures you never underwent, get you on the phone with the healthcare provider or your insurer immediately. If medical claims that should have been accepted are rejected due to benefits being used, that, too, might be an ominous sign. Medical identity theft is a real problem, though it is rare (less than 1% of identity thefts are medical, according to the most recent Bureau of Justice Statistics).
Unauthorized login or password changes
If you just changed your bank password, you’ll get an alert. But if you get an alert that your bank password has been changed, and you know you didn’t do it, that’s a major red flag. The same goes for any emails you receive about unrecognized login activity with your account.
How this can lead to identity theft
If your personal data, like your name, phone number or email address, is on the dark web, you’ll be more vulnerable to identity theft, cyberattacks and online scams. If a cybercriminal has some of your personal information, they’re going to be able to craft a believable con more easily than if they are approaching a complete stranger.
Most commonly, identity thieves will find passwords and log in credentials on the dark web. There are many dark-web sites with lists of usernames, emails and matching passwords for various sites. Cybercriminals use these for credential stuffing, where they try your password from one site on a bunch of other sites, according to Andrew Wolfe, director of the cybersecurity program at Loyola University New Orleans.
It’s less common for your credit-card or government ID info to be openly published on the dark web, he said. So if your driver’s license was stolen, that information probably won’t be openly available on the dark web, for your run of the mill identity thief to see.
But don’t exhale yet. Your stolen driver’s license or Social Security number isn’t likely to be openly available on the dark web because it’s more valuable, Wolfe said. “Cybercriminals will offer these for sale on dark web sales sites.”
At the same time, you probably don’t want to be too fearful when you think about the dark web. Not all of your information found on the dark web is too useful to bad actors.
“We typically worry that extremely sensitive information has been disclosed, and that cybercriminals are intent on using your particular information to destroy your life. This is an exaggeration,” said Wolfe. “The dark web has tanker loads of data like your 2013 password for a yoga bulletin board. That is to say, most of this is trivial.”
What can you do if your personal data is on the dark web
If you discover that your personal data is on the dark web, there’s not much you can do. It’s out there and may have already been sold numerous times.
Still, there are preventative measures you can take to try to keep personal data off of the dark web or at least minimize the consequences.
Sign up for ID theft monitoring
With data breaches happening more often, it’s difficult to keep your information from getting into the wrong hands. But you can keep a pulse on your data with an identity theft monitoring service.
“It is extremely valuable to have some kind of dark-web monitoring service,” Wolfe said. “Many banks, credit unions, and other financial-service companies offer these.”
For instance, Chase Credit Journey and Capital One’s CreditWise offer dark web surveillance absolutely free. So too does the credit bureau Experian. However, these free services lack the digital security tools and advanced monitoring and restoration services many paid services offer.
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Aura can let you know if your data’s on the dark web
Paid services like Aura and Lifelock provide more comprehensive coverage and typically range from $7 to $15 per month for individual accounts.
If your identity theft protection service tells you an account has been compromised, Wolfe suggests closing the account, or at least changing your password.
Freeze your credit
You can freeze your credit, so nobody can open loans, credit cards and other credit-based accounts in your name. But it also prevents you from opening a new account, unless you temporarily or permanently unfreeze your credit.
Credit freezes always sound good in theory, but they can be a time-consuming hassle to manage. But if your information is on the dark web and freezing your credit offers you peace of mind, you can do so online at each of the credit bureaus’ websites.
A credit freeze is also not a complete solution for identity theft. For instance, if you put a freeze on your credit, they won’t be able to take out a new loan, but if they already have your current credit card number, they could still go on an unauthorized shopping spree. And, since banks don’t always run a credit check when you open a new bank account, someone could still open a checking or savings account in your name.
Change your passwords regularly
The best passwords are complicated. “Any password easy for you to remember is easy for a cybercriminal to guess.” Wolfe said.
He adds that “with such hard passwords, nobody can memorize and reliably use more than a handful. But no realistic person expects you to. Basically, everyone needs a password manager.”
He also warns against answering your password recovery questions correctly. Hackers likely know your former street, teacher and pet names, Wolfe said. So you’ll want to answer these questions differently to prevent anyone other than you from logging in.
Review your bank statements
It may seem like a routine solution but going through your bank statements every month can help you keep an eye on potential red flags, according to Robin Chataut, assistant professor of cybersecurity and computer science at Quinnipiac University.
“Regular monitoring of your financial statements and credit reports can help you spot any unauthorized activity early,” he says.
Look for any charges you don’t recognize or even deposits that haven’t come from sources you know.
How to report identity theft or a fraud case
If a data breach does lead to fraud or identity theft, contact the credit card company, bank or lender as well as the three major credit bureaus.
If you signed up for identity theft protection with white glove service restoration, the company should also assist you with these steps and help you fight any wrongful charges.
You’ll also want to notify the Federal Trade Commission.
“If identity theft is suspected, it’s important to report it to the relevant authorities, such as the Federal Trade Commission in the US, to not only protect yourself but also help prevent further occurrences,” Chataut said. To report a fraud or identity theft case to the FTC, visit IdentityTheft.gov or call 1-877-438-4338.
