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Whenever you hear news about a data breach, you may wonder exactly what hackers can do with your information.

As it turns out, quite a lot.

Unfortunately, hackers work fast, too. According to May 2017 research by the Federal Trade Commission, it took only nine minutes before the hackers tried to access the information from a fake data breach.

If you’ve recently found out your data was compromised, then you should know the various ways identity thieves can use your information. This knowledge can prepare you for managing the effects of identity theft as soon as it happens.

Here are five ways hackers can take advantage of you and your information.

What is identity theft?

Identity theft is the process of stealing your personal information — like your name, address, Social Security number and email address — and using it without your consent. Identity theft can happen to anyone, and the effects can be more than just an inconvenience.

Hackers may obtain your information in a data breach. But they may also be able to get your information if you enter it on a public computer or go to an unsecured website — and these are just some examples of how hackers can steal your information.

They can then use your personal information in a variety of ways for their own gain — and unfortunately, at your expense.

How common is identity theft?

Identity theft is on the rise. According to the 2017 Identity Fraud Study released by Javelin Strategy & Research, identity theft incidences hit a new record in 2016, with 15.4 million U.S. consumers affected.

1. Your info could be used to open credit cards or take out loans.

If hackers have your Social Security number, name, birthdate and address, they can open credit cards or apply for loans in your name.

“Hackers obtaining personal information, including Social Security numbers, can enable someone to pose as their victim and get credit or take out loans that they never pay back,” says Steven J.J. Weisman, a lawyer and author of “Identity Theft Alert: 10 Rules You Must Follow to Protect Yourself from America’s #1 Crime“.

2. Hackers can intercept your tax refund.

If you’re like most people, you’re excited to get your tax refund. But sadly, hackers can intercept your tax refund by filing a fake tax return, using your Social Security number, birthdate and name.

Consumers who wait until the last minute to file may be more vulnerable. You’d likely only find out once you file your tax return and it gets rejected.

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To help prevent this, the IRS recommends the following precautions:

• Always use security software with firewall and anti-virus protections. Use strong passwords.
• Learn to recognize and avoid phishing emails, threatening calls and texts from thieves posing as legitimate organizations such as your bank, credit card companies and even the IRS.
• Don’t click on links or download attachments from unknown or suspicious emails.
• Protect your personal data. Don’t routinely carry your Social Security card, and make sure your tax records are secure.

3. Your info can be used to cover medical treatment.

People who steal your info aren’t just using it to buy lavish items. They can also use it to receive medical treatment by using your Social Security number and health insurance account numbers.

“In most cases, (identity thieves) use your same address, phone number… everything. Their goal is to get treatment and/or medications, and then they are gone, leaving very little time for them to be found out,” says Justin Lavelle, chief communications officer at background checking service BeenVerified.com.

In fact, according to research from Michigan State University, there were nearly 1,800 incidents of medical data breaches with patients’ information from October 2009 to December 2016.

Hackers can receive treatments, prescriptions and more by using your benefits. In addition to increased expenses for you, this can also put your own health at risk as the thief’s medical information will now be mixed up with yours.

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Be sure to thoroughly review your medical bills and insurance statements as these may show signs of identity theft. You can check if the claim description matches the care you received.

If you see a discrepancy, call your health provider to report it.

Also make a habit of regularly checking your credit reports to check for delinquent (unpaid) medical bills on your credit reports.

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4. Hackers can take flight with your airline miles.

Using your email and passwords, hackers can get access to your airline miles to book trips or even redeem for cash. Last year, hackers stole nearly $24,000 worth of Air India frequent flyer miles.

“Airline miles can be converted to cash as easily as going to websites that buy miles,” Lavelle says.

To help prevent this, use a different password than the one you have on other accounts, and keep track of your mile activity regularly.

5. Your info could be used to open utility accounts.

According to the Federal Trade Commission (FTC), 13 percent of fraud incidents in 2016 occurred with phone and utility accounts.

In these cases, hackers may have opened an account with an electric, gas or cellphone company by using a stolen Social Security number. They then can run up tabs on the account, which is under your name, without you knowing.

There’s another scam to be aware of as well. Identity thieves can call you and pretend to be the utility company, threatening to turn off your electricity if you don’t pay up. However, these fraudsters are just trying to steal your money.

If your utility company is asking you to pay up, make sure you’re talking to the real deal and verify your repayment status.

You can do this by checking the utility company’s phone number and also checking your online account to verify your status.

How can you prevent identity theft?

While you can’t prevent a big data breach or ever fully protect yourself against identity theft, there are some measures you can take to make yourself less vulnerable. Here are some quick tips:

• Make sure you have a strong password that has many characters (including a mix of lower- and upper-case letters, numbers and symbols) and has no personally identifiable information or dictionary words.
• When you’re online, make sure the sites you visit are secure. The URL will usually have a lock in the left-hand corner and start with “https”.
• Enable two-factor authentication, so you’ll need to enter a code from your phone to access your accounts.
• Check your financial transactions often, and keep tabs on your credit reports to look for any changes.

Credit Karma has also created another way to help you detect identity theft.

With the ID monitoring feature, you can use your email address to search for any accounts that are in any public data breaches. If your information has been exposed in a breach, we’ll let you know some tips and tools to help you take the right next steps.

We’ll also continue to monitor your identity and credit for free.

Bottom line

There’s no shortage of ways hackers can use your information, and they seem to be getting ever more creative.

If you’re a victim of identity theft, you can follow the steps provided by the FTC to help you get through it. You can also submit a complaint through the FTC.

Of course, there are no foolproof methods to preventing identity theft. But taking precautions and catching signs of identity theft as early as possible can help immensely.

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It can be difficult to detect a hacker on a computer because the hacker will hide or disguise their actions. Below are the most common things that you may notice after a computer is hacked.

It is very difficult, if not impossible, to determine who hacked a computer or detect who is actively hacking a computer.

Most computer problems are not caused by computer hackers. It is more common for a computer to be hijacked by a virus than to be hacked.

New programs installed

In some situations, you may see new programs or files on the computer. If you are the only user on the computer and new programs are installed, this could be an indication that it was hacked. However, there are also several legitimate reasons why a new program may appear on the computer, as listed below.

• Operating system or other program received updates that included new programs or files.
• When you installed a new program, other programs may be installed with it. For example, it's common for plugins and other free programs to have a check box verifying the installation of a new toolbar or antivirus program. If you don't uncheck these boxes, the additional new programs are installed.
• If you suspect someone may have used your machine, ask if they installed a new program.

Below is a listing of programs that may indicate a hacker was on the computer.

• Backdoors and trojans are by far the most common programs installed on a computer after it is hacked. These programs can allow the hacker to gain access to a large amount of information stored on your computer.
• IRC clients are another common way for a hacker to get into a computer or remotely control thousands of computers. If you have never participated in an IRC chat and have an IRC client your computer may have been hacked.
• Spyware, rogue antivirus programs, and malware might be an indication of a hacker. More commonly, however, they are a sign that your computer was infected via download or visiting a hijacked page while on the Internet.

Computer passwords have changed

Online passwords

Sometimes, after an online account is hacked, the hacker changes the password to one or more accounts. Try using the forgot password feature to reset the password. If your e-mail address has changed or this feature does not work, contact the company who is providing the service. They are the only ones who can reset your account and give control back to you.

Local computer password

If your password to log into your computer has changed, it may have been hacked. There is no reason why a password would change on its own.

E-mail spam being sent

Hacker Has Mac Stolen Computer

When an e-mail account is taken over, the attacker often uses that account to spread spam and viruses. If your friends, family, or coworkers are receiving advertising e-mail from you, your e-mail may be compromised. Log into your e-mail account and change your account password.

E-mail addresses can also be spoofed without hacking the account. After changing the e-mail password, if your friends continue to get e-mails you have not sent, it is likely someone is spoofing your e-mail address.

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Increased network activity

For any attacker to take control of a computer, they must remotely connect to it. When someone is remotely connected to your computer, your Internet connection will be slower. Also, many times after the computer is hacked, it becomes a zombie to attack other computers.

Installing a bandwidth monitor program on the computer can help determine which programs are using bandwidth on your computer. Windows users can also use the netstat command to determine remote established network connections and open ports.

However, there are multiple legitimate reasons why your Internet connection may also be slow.

Unknown program requesting access

Computer security programs and firewalls help restrict access for security purposes. If the computer prompts for access to programs you do not know, rogue programs may be installed or it may have been hacked. If you do not know why a program needs access to the Internet, we recommend blocking access to that program. If you later discover these blocks cause problems, they can be removed.

A firewall prompting you for access may also be someone trying to probe your network, looking for open or available ports.

Security program uninstalled

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If the computer's antivirus program, anti-malware program, or firewall was uninstalled or disabled, it can also be an indication of a hacked computer. A hacker may disable these programs to help hide any warnings that would appear while they are on your machine.

It is also possible for a virus to disable the antivirus program or malware to interfere with the anti-malware program.

Computer is doing things by itself

If your computer is deeply exploited, it's possible for a malicious third-party to remotely control your computer, executing any programs that you have privilege to run. If they are controlling your current login session, they can even control the computer as if they were sitting at your desk, using your keyboard and mouse.

For example, a mouse cursor could be moved or something could be typed. If you see the computer doing something as if someone else is in control, your system is likely being exploited at the root level.

Internet browser homepage changed or new toolbar

If you notice that your web browser configuration has suddenly changed, this may be a symptom of virus or malware infection. Examples of sudden browser changes include your homepage changing, a third-party toolbar being added, or your default search engine changing to something you don't want.