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Trek Financing

We believe that bike riding is essential for a healthy and happy life. While finding the perfect new bike is exciting, sometimes life can be a little complicated and hectic.  Purchasing an awesome new set of wheels outright might add some unnecessary stress to your budget.

We’re happy to help by providing finance options to our customers. If setting up a monthly payment plan is the difference between you hitting the trails on a new set of wheels or sitting at home on the couch, we’ll be thrilled to help you get out and ride.

Trek Financing powered by Citizens Pay® is here to provide you, our amazing customer, a pay-over-time Line of Credit lending solution.  This nifty tool enables approved customers to buy what they want, when they want, with the digital payment options they expect.

With low monthly payments over a set period of months starting at 0% APR, customers can feel at ease shopping the brands they love at The Bike Shoppe, without the fear of high interest credit card debt (on purchases between $199 and $25,000 for the first purchase or between $99 and $25,000 for subsequent purchases) depending on creditworthiness. Minimum purchase amounts vary by term length.

Apply for a line of credit on your own by scanning the QR code posted here. Once approved, customers with a Trek Financing line of credit can use their available credit to make purchases at any participating location, regardless of where they opened their line of credit.

Customer Financing Process

1. Product Page or Email

Customer begins shopping from a scanned QR code or website.

2. Customer Application

Customer provides a few key pieces of information to check eligibility.

3. ID Verification Code

One time passcode is texted or emailed to customer to confirm identification.

4. Offers Preview

Customer is shown a preview of the financing offers they're eligible for.

5. Line of Credit Confirmation

Approved customers can use their line to complete purchase.

6. Purchase is Complete

Confirmation is sent to customer with purchase total listed. The customer will finalize their offer selection to complete the purchase.

Term Offers Preview

3 month term.

For subsequent purchases on existing accounts:

• $99 min purchase required
• 0% APR for 3 months

24 Month Term

Based on creditworthiness:

• $199 min purchase required
• As low as 0-9.99% APR

36 Month Term

• $499 min purchase required
• 9.99% APR for 36 months

 - OR -

• As low as 0% APR

 *Promotional APR: Offer available on qualifying purchases of select products charged to a Citizens Pay Line of Credit account. 0% APR - 9.99% APR from the date an eligible purchase is posted to your account until paid in full, based on term length. Minimum purchase for first transaction: $499. Equipment purchase must be included in first transaction. Minimum subsequent purchase: $99. Monthly payment and total finance charges are estimates, do not include taxes, and may vary from the actual minimum payment due and interest charges that will be shown on your Citizens Pay Line of Credit statement. Limited time offer. Standard Purchase APR is 29.99% for non-promotional purchases. Subject to credit approval. Other transactions affect overall minimum payment amount. Regular account terms apply to non-promo purchases. Account must be in good standing. Click here for important information about Rates and Fees and the Citizens Pay Line of Credit Agreement. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.

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What You Need to Know about The Trek Credit Card

The marketplace is overflowing with a variety of credit card offers geared towards niche target groups. It seems that there is a perfect credit card for consumers from every walk of life. Trek is a credit card that was designed with bicycling enthusiasts in mind, hence the name Trek. If you've not yet heard about this financial tool and you're into cycling, here is everything you need to know about the Trek Credit Card.

What is the Trek Credit Card?

The Trek Credit Card is a card that offers a variety of special financing options for bicycle enthusiasts and others. If you've had your eye on a new specialty bike but you're not yet prepared to lay out the cash, the Trek Card offers solutions for financing the bike of your dreams and more. The card is recognized by over 1,000 Trek retailers throughout the nation, according to the Trek Store . This is a store card that allows you to finance the purchase of bicycles, equipment, clothing, accessories, and anything else that is sold through Trek retailers.

What are the benefits of a Trek Card?

According to the Trek community website , the Trek Credit Card offers the benefits of a credit card at Trek Bikes with no annual fees. The initial APR on the card is just 9.99 percent for the first 24, 36, 48, or 60 months, depending on the promotional package you are accepted for. The rate goes up to a variable APR of 26.99 percent after the initial promotion expires.

Special purchase deals

Trek also offers special financing deals. If your purchases total $201 or more you may qualify for 6-month financing. If they are $420 or more, you may qualify for 12-month financing deals. You are required to make minimum monthly payments on a convenient schedule. The larger your purchase, the longer you have to extend the financing period.

Overview of the Trek credit card

Next Level Finance explains that the Trek credit card is a lifestyle card that is good at Trek retailers and local retailers that are licensed to sell Trek products. It's a store credit card that does not offer any rewards. It's not useful for building points towards a goal, but it does offer a zero percent introductory rate for the first 12 months. There are very few store credit cards that offer this kind of savings. The greatest benefit of the Trek credit card is that it allows you to purchase Trek products on credit. If you pay the charges off while the introductory zero interest rate is still in effect, you save a ton of money on interest charges and this is likely to be more beneficial than a rewards program that requires copious amounts of high-interest spending.

Do you need good credit to obtain a Trek credit card?

The Trek card is backed by Comenity bank. They set the credit requirements for approval of financing. You don't need stellar credit to qualify for a Trek card, but your credit score must be at least in the "fair" range" which means it must be 640 or better. Higher credit scores may help you to qualify for higher maximum amounts on the credit card. Another benefit of the Trek card is that cardholders with marginally fair credit scores can use the card to build up their credit scores. This requires making all payments on time. The bank reports to the major credit reporting agencies so a solid payment history is likely to boost your credit rating.

Review of the Trek Credit Card

Wallet Hub delivers a reliable assessment of the merit of the Trek Credit Card. They summarize the benefits of the card along with its shortcomings. They conclude that the Trek card is best suited for consumers who are interested in purchasing bicycles and accessories from Trek stores. It's the most useful for those who seek to build their credit rating. Cardholders with the ability to pay off the charges within the first 12 months of financing reap the most benefits because of the zero percent interest charge during this introductory period. The lack of a rewards program is compensated by the zero-interest introductory offer. Some cards offer many more benefits, but few that allow interest-free financing for a full year. This card is also for consumers who have a credit rating that is just "fair." Those with higher scores may want to consider a card that offers more in the way of rewards and benefits.

How long is the approval process

You may apply for the Trek Credit Card online. You must provide standard information on a secure website, including your name, social security number, and a few other personal details. If everything checks out instantly, you can hear in just a few seconds through the online format. Some applicants have experienced a wait time of up to five business days to receive their responses. Sometimes additional information is requested by the decision-makers to confirm identity or proof of income.

Final thoughts

The Trek Credit Card is a useful way to help build a low credit score, but it's also a great way to save money on financing bicycles and associated gear and accessories. There are no special rewards associated with this card, other than a full year of interest-free payments. Although it's not a card that is particularly useful after the introductory period, it's one that is good to use in the short-term. The interest rates after the initial promotion rise to a fairly high rate that is not difficult for other cards to beat, even with marginally good credit. Bicycle enthusiasts who can't wait to get their hands on their dream bikes can have their wishes fulfilled through the Trek credit card, and they may also enjoy a boost to their credit scores at the same time.

Written by  Allen Lee

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Screen Rant

Star trek: ds9's nana visitor stayed "traumatized" to make major kira authentic.

Star Trek: Deep Space Nine's Nana Visitor used a controversial acting technique to bring Major Kira Nerys' traumatic past to life.

• Nana Visitor used Method acting for Major Kira's "traumatized emotional states," staying in character personally.
• Visitor's performance as Kira in "Duet" made it one of DS9's best episodes, impacting her deeply.
• Visitor held on to Kira's memories, bringing authenticity to the trauma of the Cardassian occupation on Bajor.

To bring authenticity to her performance as Major Kira Nerys on Star Trek: Deep Space Nine , actress Nana Visitor kept herself "traumatized" by the anger and resentment that defined Kira's character. After Nerys spent most of her life as a Bajoran freedom fighter during the Cardassian occupation, Major Kira found herself in new territory as the Bajoran liaison to Deep Space Nine and First Officer to Commander Benjamin Sisko (Avery Brooks). Even after Bajor won independence, it was impossible for Kira to forget the trauma that the Cardassians inflicted on the Bajoran people, and on Kira's life in particular.

The acting technique known as "the Method" asks actors to imagine themselves in the same situations as their characters, and call up the personal emotions associated with being in those situations. Method acting can elicit brilliant performances, but can sometimes harm an actor's well-being if proper care isn't taken to maintain boundaries between actor and character, especially while performing challenging or complicated roles. To make Major Kira an authentic character, and honor the people who experienced harm at the hands of oppressors, instead of trivializing the real-world parallels in Star Trek: Deep Space Nine , Nana Visitor inhabited the character of Major Kira Nerys this way.

Major Kira's Best Star Trek DS9 Episodes

Nana visitor used method acting for major kira's "traumatized emotional states", staying in character as kira nerys affected visitor personally..

The hosts of The Delta Flyers podcast, Star Trek: Voyager 's Robert Duncan McNeill and Garrett Wang, invited Nana Visitor onto the show for their coverage of Star Trek: Deep Space Nine season 1, episode 19, "Duet", which is a seminal episode of DS9 for Major Kira Nerys, and often considered one of Star Trek: Deep Space Nine 's best episodes . Visitor opened up about the process of filming "Duet," and the difficulty that came with taking on Major Kira's trauma as her own. Read her quote below and listen to The Delta Flyers , starting at the 18:25 time stamp.

Nana Visitor: "I went to a place where ... my body and mind are believing the situation that I'm telling myself. And I didn't often come out, because I wanted certainty. I wanted to know I'd be ready when the camera was ready, and I'd stay in these traumatized emotional states to the point where it affected my brain, for good and for bad. But ["Duet"] was the show -- that was probably the night -- that I started dreaming Major Kira's dreams, not mine."

Visitor's Performance As Kira Made "Duet" One of DS9's Best Episodes

Credit is also due to harris yulin as cardassian prisoner aamin marritza..

Star Trek: Deep Space Nine season 1, episode 19, "Duet", is aptly named, with the majority of the episode's scenes playing out between Nana Visitor's Major Kira and a Cardassian named Aamin Marritza, played by Harris Yulin. Visitor and Yulin square off like sparring partners to perform, as Visitor puts it in The Delta Flyers , " a tango ," a dance that relies on the tension and resolution of heightened emotions. Yulin's Marritza -- or is it Gul Darheel? -- is intentionally different every time Kira approaches his cell, strategically changing the tempo to achieve his ultimate end goal at any cost.

Nana Visitor holds on tightly to Kira's memories like lifelines.

The strength of "Duet" is in Visitor's performance, and the sea change that repeated encounters with Marritza inspire in Kira. Nana Visitor holds on tightly to Kira's memories like lifelines, and drags the pain of the Cardassian occupation of Bajor into the present search for justice by force. Kira's anger keeps bubbling under the surface of a calm that's abandoned when faced with confronting Marritza directly, and it's understandable. It's real. It's deeply personal. By the episode's end, the weight of Kira's trauma is made lighter , but by just a few ounces. It's not enough to heal the past, but it's enough to light a path of hope as Star Trek: Deep Space Nine moves forward.

Source: The Delta Flyers , season 9, episode 18, "Duet"

Star Trek: Deep Space Nine is streaming on Paramount+.

Star Trek: Deep Space Nine

Ordering a bike

Shipping & pickup, your account.

We have made our inventory available to all Trek retailers so that you find the right bike for you when you want it. In order to give you the best possible riding experience, your retailer will need at least 24 hours to build and fine-tune your new bike before it is ready for collection or delivery. There are no additional assembly charges for bikes. You will be contacted once it is ready for pick-up or delivery. Some Trek bikes come with a kickstand and/or pedals as standard equipment and some do not. To confirm, please contact your local Trek retailer or our Customer Service team at 1-800-585-8735.

• Find a bike shop

Order status

To check the status of your order, please log into My Account for order and shipping information. You can also track your order through the tracking link in your shipping confirmation email. Don’t have an account? Create one today and receive free returns, a detailed order history, and stay up-to-date on the latest and greatest Trek news and information.

Call Trek Customer Care

Get product and warranty guidance from Trek Headquarters in Waterloo, Wisconsin. Monday through Friday 10am – 6pm (CST), closed on weekends.

Chat online with a Trek expert

Get your questions answered in a live chat with Trek Customer Care. Monday through Friday 8am – 7pm (CST), closed on weekends.

Change or cancel order

Once you submit an order, it begins processing immediately and cannot be changed or cancelled. If you have changed your mind or would like to return your item, please follow our easy return process.

• See returns

Retailer of choice

A website can't fix a flat, tune your derailleur, pour you a cup of coffee, or answer any and all cycling-related questions you may have. Locally-owned Trek retailers are the heart and soul of cycling and are a fantastic resource and cycling advocate within your community. Plus, if you ship your order to one for pick-up, we'll pay to ship it!

Updating retailer of choice

You can update your retailer of choice anytime by logging into "My Account" and select "Update Preferred Retailer". To confirm your current retailer preference, select "Profile". Please be aware that you cannot change your retailer of choice once you have placed your order. 

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Order declined

If your order has been declined, please check with the financial institution that issued the credit card for additional information.

Protect yourself from fraud

Trek and Bontrager products are only available through Trek and its authorized network of retailers. Use this guide to make sure you're buying our products from a reliable source.

Trekbikes.com offers three convenient delivery options: 

FREE standard shipping on all new product orders of $49 Any accessories order over $49 and all NEW bikes qualify for free standard shipping. All orders shipped to a retailer for pickup qualify for free standard shipping. Ship to your address: Available for accessories. If you choose standard or expedited ground shipping, your order will be delivered to the specified shipping address in your account. Refer to shipping table below for ground and expedited shipping charges and expected delivery date. Available for Trek certified pre-owned bikes. All certified pre-owned bikes ship directly to you from Red Barn Refresh for $90.00 per bike, with tools and clear instructions on how to complete assembly at home. Ship to store: Available for both NEW bikes and accessories. Trek offers free standard ground delivery to your local preferred Trek retailer. Your order will be available for pick up within 3-5 business days. Allow extra time for new bike orders. There are no additional assembly charges for new bikes. Orders will be held for 14 business days after arrival. If you are unable to collect your order within this timeframe, please make arrangements with your selected retailer. Expedited shipping is not available if you ship to a Trek retailer. Due to the added costs for shipping bikes to Alaska or Hawaii, there is a flat rate of $135.00 for shipping 1 or more bikes. Due to the added costs for shipping Fetch+ bikes, there is a flat rate of $200.00 for shipping these bikes. When you pick up your order please provide the following: 1. A copy of your order or shipment confirmation 2. Credit card used in the transaction 3. Photo ID

Find a Trek retailer

Retailer home delivery*: Available for new bikes only. Accessories can also be delivered via retailer home delivery if included as part of the same order. Select retailers can deliver your bike and accessories directly to your front door! At checkout, select "home delivery" to have your Trek retailer build your bike and deliver it to your home. An additional delivery fee of $50 will apply. All bikes ship to Trek retailers first for assembly. There are no additional assembly charges for bikes. With home delivery, you will be notified when your order arrives at your retailer and contacted to arrange a convenient delivery time. Due to the added costs for shipping bikes to Alaska or Hawaii, there is a flat rate of $135.00 for shipping 1 or more bikes. Due to the added costs for shipping Fetch+ bikes, there is a flat rate of $200.00 for shipping these bikes. *Note: not all Trek retailers offer this service. Upon delivery, please provide the following: 1. A copy of your order or shipment confirmation 2. Credit card used in the transaction 3. Photo ID

Shipping Table

*Shipping schedule applies to orders placed before 2pm CT. Expedited shipping to Hawaii or Alaska may take an additional 1-2 business days. Due to the added costs for shipping bikes to Alaska or Hawaii, there is a flat rate of $135.00 for shipping 1 or more bikes. All Trek certified pre-owned bikes ship directly to you from Red Barn Refresh for $90.00 per bike, with tools and clear instructions on how to complete assembly at home. Trek ships Monday through Friday, except national holidays. Ship to store delivers in 3-5 business days to retailer. Allow 4-7 days for pick-up if you ordered a bike. Retailer home delivery delivers in 3-5 business days to retailer. Allow 4-7 days for home delivery.

Ship to store order pickup

Ready for pickup Your Trek retailer will contact you when your order is ready for pick up either through phone or email. Your order wlll be held for 14 business days. Please make arrangements with your Trek retailer if you are unable to pick up within 14 days. Picking up your order Please bring a copy of your receipt, the credit card used in the transaction, and a photo ID. Bike order Bikes are intricate machines. In order to give you the best possible riding experience, your retailer will need at least 24 hours to build and fine-tune your new bike before it is ready for collection or delivery.

Ship to your address and order pickup

Each order can only use one shipping method. If you want an order to ship to your home and your local retailer you will need to place a separate order for each method of delivery desired.

International shipping

At this time, we only offer shipping to addresses within the United States. We do not ship to freight forwarding addresses.

APO & post office box shipping

Post office box shipping At this time, we can only ship to residential or business addresses. If you have a PO Box, consider shipping your order to a retailer for free! APO box shipping Standard shipping restrictions apply.

We understand the importance of the right product and the right fit, and we want you to love your Trek and Bontrager gear. If you’re not in love with your trekbikes.com purchase within the first 30 days, we will take it back without any additional charges or hassle. In-store purchases are subject to individual retailer restrictions. Questions regarding your purchase should be directed to the Trek retailer of delivery. Trek warehouses will not accept returned bikes or framesets.* To qualify for a return: - The item(s) must have been purchased from trekbikes.com. - The return must be requested within 30 days of purchase. - Proof of purchase must be provided upon request. - Bike returns must be received in like new condition. Refunds If a refund is initiated, the refunded amount will be credited to the original payment method used at the time of purchase. Refund credits usually appear on your account within 10 days, but may take up to 30 days depending on your bank. Making a new product return: Return to Trek retailer Bring your order, with proof of purchase, to your local trek retailer. Bike returns must be returned to the local Trek retailer who assembled your bike in like new condition. Return by mail: Return shipping is always free for customers with registered accounts on trekbikes.com. Log in to your account to print a prepaid shipping label. If you do not have a registered account with us, send us a live chat and we will be happy to help. *Making a Trek certified pre-owned bike return: Please request a return label with our customer care team. Re-package your bike back into it's original box, and ship the bike back to Red Barn Refresh. If you need additional help returning your product, please contact customer care. Holiday Return Policy Orders placed on Trekbikes.com between November 24th and January 1st are eligible to be returned through January 31st.

Return credit status

Returns will be credited to the original payment method used at the time of purchase. Return credits usually appear on your account within 10 days, but may take up to 30 days depending on your bank.

30-Day Unconditional Guarantee return

If for any reason you’re not satisfied with your Bontrager or Trek aftermarket purchase, return the item, along with the original sales receipt to the original place of purchase within 30 days for an exchange or refund. Think of it as a 30-day test ride. This guarantee includes Trek and Bontrager aftermarket components, apparel, and accessories. Bontrager OE (original equipment) componentry sold as part of a bicycle is excluded. Used items must be cleaned for a return. If you send merchandise that is not cleaned or laundered, we will return it to you at your expense.

Shipping charge refund

If there was an error on your order such as wrong item shipped or damage during shipping, Trek will credit your original shipping charges (if applicable). Call us at 1-800-585-8735. Shipping charges will be refunded if Trek: 1) ships the incorrect merchandise; 2) the merchandise was shipped damaged or defective; 3) the merchandise was damaged in shipping.

Benefits of creating an account By registering, you've joined millions across the globe who are committed to making the world a better place through cycling. With your account, you'll receive free returns, a detailed order history, and faster checkout with saved billing and shipping information. You'll also be among the first to receive exclusive content and members-only deals.

Create your account

Creating an account at trekbikes.com is easy. Click on Login/Register anytime. You can also create an account when you place an order.

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Updating your account

You can change your account information by selecting Login/Register . Enter your email address and password to view your account information. You can update your email address, name, password, billing/shipping information, and your preferred Trek retailer.

Forms of payment accepted Visa, MasterCard, and Amex  Are gift cards available? Trek gift cards are available at Trek retailers and can only be redeemed at that retailers' location. Trek gift cards cannot be redeemed at trekbikes.com. Credit card return status Upon confirmation of your return, you should see the credit within 30 days. However, most customers see it in 4-10 business days. Order declined If your order has been declined, please check with the financial institution that issued the credit card for additional information. Split Payment We are unable to accept multiple payment options on the same transaction. If you need to use more than one credit card and have multiple items, consider submitting separate orders for the individual items. Or visit a local Trek dealer where they may be able accept payments using multiple cards.

We'll take care of you! Trek and Bontrager goods are covered by warranty policies and return programs that ensure you can buy with confidence and enjoy your purchase to the fullest.

• See warranty policies

Data From 73 Million AT&T Accounts Stolen: What AT&T Is Doing, How to Protect Yourself

F ollowing the announcement that hackers had stolen the personal information of 73 million current and former AT&T customers, the telecommunications giant is now notifying 7.6 million current customers that they can sign up for one free year of credit monitoring and identity theft detection.

The stolen data appears to be from 2019 or earlier, AT&T said in a statement , and includes Social Security numbers and account information for approximately 65.4 million former customers and 7.6 million current account holders.

The leak first came to light in 2021, when  hackers claimed they'd stolen customer data from AT&T  and would put the information up for sale. Fast-forward to March 2024, the stolen personal information was discovered on the dark web, according to Troy Hunt , creator of Have I Been Pwned . 

In response, AT&T said it has contacted the 7.6 million current customers and has reset their passcodes. Whether you're in the smaller set of current customers or the larger group of former account holders who think their data has been stolen in the breach, you can take steps to potentially lessen the damage of the breach. Read on for what you can do. AT&T didn't immediately respond to CNET's request for comment. 

For more, here are our picks for the best identity theft protection and monitoring services  and how Consumer Report's permission slip can help you take control of your online data . 

What to know about the AT&T data leak

AT&T on March 30 said that the personal information of 73 million current and former customers was leaked in mid-March to the dark web. The company said the stolen information appears to be from 2019 or earlier, and it does not know if the information came from AT&T or one of its vendors. 

What personal information was stolen in the AT&T breach?

According to AT&T , which customer and account data was stolen may vary by account, but thieves had access to customers' full name, email address, mailing address, phone number, Social Security number, date of birth, AT&T account number and passcode. AT&T said the information doesn't appear to contain personal financial information or call history. 

What's AT&T doing for customers whose data was stolen?

In addition to resetting passcodes, AT&T said it is providing the 7.6 million customers whose accounts were breached identity-theft and credit-monitoring services through  Experian's IdentityWorks for one year for free.

What is an AT&T passcode?

A customer's passcode is essentially a numerical PIN and is usually four digits. A passcode is different from a password and is required to complete an AT&T installation, perform personal account functions by phone or contact technical support by phone, AT&T said.

How to reset your AT&T passcode

AT&T said it has already reset the passcodes for those active accounts where data was stolen but recommends if you haven't changed your passcode in the past year, you should change yours as a precaution. Here's how to change your AT&T passcode.

• Head to your  myAT&T Profile . Sign in, if asked. (If you have extra security enabled and can't sign in, AT&T says to choose  Get a new passcode )
• Scroll to  My linked accounts
• Select  Edit  for the passcode you want to update
• Follow the prompts to finish up

Where can you check if you are part of the AT&T breach

AT&T said it will email or mail a letter to the 7.6 million current customers whose data was stolen, explaining the incident, what information was compromised and what it is doing in response. The company said it has reset passcodes for affected current customers. The company said it is also communicating with the 65.4 million former account holders whose data was stolen.

You don't have to wait for AT&T to contact you. Using Have I Been Pwned , you can check whether your data has been leaked. If you store your password information in a Google account, the company's  Password Checkup tool can alert you if your account information has been exposed. The premium version of our favorite password manager , Bitwarden, can check for stolen passwords on the web. 

Changing your passcode and password, if AT&T hasn't contacted you, can help secure your account.

How to monitor your credit report for fraud

If you think your personal information was part of the AT&T breach, you can watch your credit reports for signs of potential fraud. 

Monitor your credit reports. You get one free credit report a year from the three major credit bureaus: Equifax , Experian and TransUnion . On your report, look for unusual or unfamiliar activity, such as the appearance of new accounts you didn't open. Watch your credit card accounts and bank statements for unexpected charges and payments.

Sign up for a credit monitoring service. Pick a credit monitoring service that constantly monitors your credit report on major credit bureaus and alerts you when it detects unusual activity. To help with the monitoring, you can set fraud alerts that notify you if someone is trying to use your identity to create credit. A credit-reporting service like LifeLock can start at $7.50 a month -- or you could use a free service like the one from Credit Karma . 

What to do if you suspect you're a victim of fraud or identity theft

As soon as you suspect your personal information has been stolen, take action to stop unauthorized charges and start to recover your identity.

Place a fraud alert. If you suspect fraud, place a fraud alert with each of the credit reporting companies: Equifax , Experian and TransUnion . The alert notifies creditors that you have been a victim of fraud and lets them know to verify new credit requests in your name. You can place an initial fraud alert, which stays on your credit report for 90 days, or an extended fraud alert, which stays on your credit report for seven years. Placing a fraud alert won't affect your credit score. 

Contact fraud departments. For each business and credit card company where you think an account was opened or charged without your knowledge, contact its fraud department. While you're not responsible for fraudulent charges to an account, you need to report the suspicious activity promptly.

Freeze your credit. If you want to stop anyone from opening credit and requesting loans and services in your name without your permission, you can freeze your credit. You will need to request a freeze with each of the three credit reporting companies, which again are  Equifax , Experian and TransUnion . To apply for new credit, you need to unfreeze your credit through each of the credit reporting companies. You can either request a temporary lift of the freeze or unfreeze it permanently.

Create a recovery plan.  The Federal Trade Commission has a valuable tool that helps you  report identity theft and recover your identity  through a personal recovery plan and  Identity Theft Report , which you can use to dispute charges.

Document everything. Keep copies of all documents and expenses and records of your conversations about the theft.

For more, here are our favorite password managers and the best VPN services . 

AT&T Data Breach: What AT&T Is Doing for the 73 Million Accounts Breached

If you're worry about your data, here's what you can do, including how to reset your AT&T account passcode.

AT&T said it has reset the passcodes for 7.6 million current customers, in response.

AT&T is now notifying 73 million current and former customers who had their personal information stolen. The company has let affected people know they can sign up for one free year of credit monitoring and identity theft detection through Experian's IdentityWorks.

The AT&T account breach appears to be from 2019 or earlier, the company said in a statement , and includes Social Security numbers and account information for approximately 65.4 million former customers and 7.6 million current account holders.

The data leak first came to light in 2021, when  hackers claimed they'd stolen customer data from AT&T  and would put the information up for sale. Fast-forward to March 2024, the stolen personal information was discovered on the dark web, according to Troy Hunt , creator of Have I Been Pwned . 

In response, AT&T said it has contacted the 7.6 million current customers and has reset their passcodes. Whether you're in the smaller set of current customers or the larger group of former account holders who think their data has been stolen in the breach, you can take steps to potentially lessen the damage of the breach. Read on for what you can do. AT&T didn't immediately respond to CNET's request for comment. 

For more, here are our picks for the best identity theft protection and monitoring services  and how Consumer Report's permission slip can help you take control of your online data . 

What to know about the AT&T data leak

AT&T on March 30 said that the personal information of 73 million current and former customers was leaked in mid-March to the dark web. The company said the stolen information appears to be from 2019 or earlier, and it does not know if the information came from AT&T or one of its vendors. 

What personal information was stolen in the AT&T breach?

According to AT&T , which customer and account data was stolen may vary by account, but thieves had access to customers' full name, email address, mailing address, phone number, Social Security number, date of birth, AT&T account number and passcode. AT&T said the information doesn't appear to contain personal financial information or call history. 

What is AT&T doing for the 73 million customers whose data was stolen?

In addition to resetting passcodes, AT&T said it is providing the 73 million current and former customers whose accounts were breached identity-theft and credit-monitoring services through  Experian's IdentityWorks for one year for free.

AT&T said customers need to sign up for identity theft protection service by Aug. 30, 2024.

What is an AT&T passcode?

A customer's passcode is essentially a numerical PIN and is usually four digits. A passcode is different from a password and is required to complete an AT&T installation, perform personal account functions by phone or contact technical support by phone, AT&T said.

How to reset your AT&T passcode

AT&T said it has already reset the passcodes for those active accounts where data was stolen but recommends if you haven't changed your passcode in the past year, you should change yours as a precaution. Here's how to change your AT&T passcode.

• Head to your  myAT&T Profile . Sign in, if asked. (If you have extra security enabled and can't sign in, AT&T says to choose  Get a new passcode )
• Scroll to  My linked accounts
• Select  Edit  for the passcode you want to update
• Follow the prompts to finish up

Where can you check if you are part of the AT&T breach

AT&T said it will email or mail a letter to the 7.6 million current customers whose data was stolen, explaining the incident, what information was compromised and what it is doing in response. The company said it has reset passcodes for affected current customers. The company said it is also communicating with the 65.4 million former account holders whose data was stolen.

You don't have to wait for AT&T to contact you. Using Have I Been Pwned , you can check whether your data has been leaked. If you store your password information in a Google account, the company's  Password Checkup tool can alert you if your account information has been exposed. The premium version of our favorite password manager , Bitwarden, can check for stolen passwords on the web. 

Changing your passcode and password, if AT&T hasn't contacted you, can help secure your account.

How to monitor your credit report for fraud

If you think your personal information was part of the AT&T breach, you can watch your credit reports for signs of potential fraud. 

Monitor your credit reports. You get one free credit report a year from the three major credit bureaus: Equifax , Experian and TransUnion . On your report, look for unusual or unfamiliar activity, such as the appearance of new accounts you didn't open. Watch your credit card accounts and bank statements for unexpected charges and payments.

Sign up for a credit monitoring service. Pick a credit monitoring service that constantly monitors your credit report on major credit bureaus and alerts you when it detects unusual activity. To help with the monitoring, you can set fraud alerts that notify you if someone is trying to use your identity to create credit. A credit-reporting service like LifeLock can start at $7.50 a month -- or you could use a free service like the one from Credit Karma . 

What to do if you suspect you're a victim of fraud or identity theft

As soon as you suspect your personal information has been stolen, take action to stop unauthorized charges and start to recover your identity.

Place a fraud alert. If you suspect fraud, place a fraud alert with each of the credit reporting companies: Equifax , Experian and TransUnion . The alert notifies creditors that you have been a victim of fraud and lets them know to verify new credit requests in your name. You can place an initial fraud alert, which stays on your credit report for 90 days, or an extended fraud alert, which stays on your credit report for seven years. Placing a fraud alert won't affect your credit score. 

Contact fraud departments. For each business and credit card company where you think an account was opened or charged without your knowledge, contact its fraud department. While you're not responsible for fraudulent charges to an account, you need to report the suspicious activity promptly.

Freeze your credit. If you want to stop anyone from opening credit and requesting loans and services in your name without your permission, you can freeze your credit. You will need to request a freeze with each of the three credit reporting companies, which again are  Equifax , Experian and TransUnion . To apply for new credit, you need to unfreeze your credit through each of the credit reporting companies. You can either request a temporary lift of the freeze or unfreeze it permanently.

Create a recovery plan.  The Federal Trade Commission has a valuable tool that helps you  report identity theft and recover your identity  through a personal recovery plan and  Identity Theft Report , which you can use to dispute charges.

Document everything. Keep copies of all documents and expenses and records of your conversations about the theft.

For more, here are our favorite password managers and the best VPN services . 

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AT&T data breach: What AT&T is offering data breach victims

• Updated: Apr. 18, 2024, 1:04 a.m. |
• Published: Apr. 17, 2024, 9:34 a.m.

The sign in front of an AT&T retail store is seen in Miami, July 18, 2019. In an announcement addressing the data breach, AT&T said that a dataset found on the dark web contains information including some Social Security numbers and passcodes for about 7.6 million current account holders and 65.4 million former account holders. AP Photo/Lynne Sladky, File

• Leada Gore | [email protected]

AT&T is offering a variety of protections for the some 70 million people whose personal information may have been exposed in a massive data breach.

The company announced in late April 7.6 million current customers and 65.4 million former customers were affected by the breach, which could have included full names, email and mailing addresses, phone numbers, dates of birth, Social Security numbers and AT&T account numbers and passcodes from 2019 and earlier. It did not, according to the company, include personal financial information or call history.

It has not been determined if the breach originated with AT&T or one of its vendors.

AT&T said it has reached out to current customers and have reset passcodes – a set of numbers used to access an account but different than passwords.

According to KPRC-TV in Houston , AT&T is also offering:

• One year of complimentary credit monitoring, identity theft detection and resolution services through Experian’s Identity Works.
• An insurance policy up to $1 million in coverage in the event a customer experiences identity theft
• An identity restoration team that will help guide victims through any recovery process

READ MORE: Child tax credit increase latest status: Will you get money back this year?

Customers are advised to:

• AT&T said it’s taken “precautionary measures” and reset passcodes – the numerical pin associated with your account that’s different than your password - but it’s not a bad idea to do it yourself. It’s also reaching out by mail or email to individuals whose personal information has been compromised to offer free identity theft and credit monitoring services. You can see more on that here.
• Monitor account activity and banking information.
• Set up free fraud alerts from nationwide credit bureaus - Equifax , Experian , and TransUnion . You can also request and review your free credit report at any time via Freecreditreport.com .

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