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identity theft guide

What to Do After a Data Breach — and Where Aura Fits Next to IdentityTheft.gov

Priya ShahPriya Shah· Consumer Finance Editor· Updated August 27, 2026· 15 min read

Some links on this page may earn GUIDEORA a commission. Disclosure

Quick take

If you already suspect identity theft, start at IdentityTheft.gov — not at a shopping cart. Change unique passwords, consider a freeze, and get an IRS IP PIN if you file U.S. taxes. Aura can watch for follow-on dumps and walk you through restoration. It cannot rewind a breach, and it cannot promise a claim pays.

Do not start in the shopping cart

Two different events get sold as the same panic. A credential dump means an email and password (or worse, an SSN) appeared in a breach corpus. Account takeover or new-account fraud means someone is already using that data. Aura is built to alert and to help after the second class of event. It does not un-publish the dump. The first hour is still yours: unique passwords, session logouts, and the FTC's recovery process if you believe you are already a victim.

Equifax 2017 is the cultural scar: about 147 million people's data, then a decade of monitoring ads. The durable public advice did not become 'buy the loudest dashboard.' It became freeze, unique passwords, and official recovery if something is already wrong.

A cracked breach envelope next to a recovery folder
The dump already happened. The next moves are passwords, freezes, and a real recovery plan.

IdentityTheft.gov is the spine

If you suspect identity theft in the U.S., the FTC's IdentityTheft.gov process is the start: a recovery plan, affidavits, and the letters many banks and bureaus still expect. A vendor specialist can walk beside that process. They should not replace the official plan with a branded PDF you cannot use elsewhere. GUIDEORA is not the FTC.

IdentityTheft.gov

First stop

3-bureau freeze

Friction

IRS IP PIN

Taxes

Aura restoration

Walk-through

Insurance claims

If eligible

Passwords, sessions, and reused logins

If the breach is passwords, change the unique password on that site and every site that shared it. Turn on a real password manager. Log out other sessions. Aura's included password manager can help if you had none. If you already have a vault, use that vault — do not fork the recovery kit into two apps on the worst week of the year.

Credit files, freezes, and tax refunds

If SSNs or credit headers leaked, consider a security freeze at Equifax, Experian, and TransUnion. Pull your official files at AnnualCreditReport.com — not a random 'free score' ad. If you file U.S. taxes, an IRS identity-protection PIN is a separate, high-leverage step against refund theft. Aura's Experian lock is not those three freezes and is not an IP PIN.

  • IdentityTheft.gov if you believe accounts were already opened or taxes were already filed in your name.
  • Unique passwords and session logout for dumped logins.
  • Three-bureau freeze if new credit is the fear.
  • IRS IP PIN if you file U.S. returns.
  • Then decide whether Aura's ongoing watch and restoration phone line are worth a subscription.

Where Aura can still earn its keep after a breach

Aura can keep scanning for the next dump, watch inquiries, lock Experian from the app, help with a child's freeze paperwork on Family, and put a U.S. remediation specialist on the call list. Insurance-style coverage may apply to eligible losses if you later document a case — read the certificate; GUIDEORA will not promise a check. Data-broker removal can reduce some future spam. None of that retroactively deletes the first breach.

After a breach: who owns which job.

JobYou / governmentAura (if you subscribe)
Official recovery planIdentityTheft.govCan walk beside it
Freeze adult filesEach bureauExperian lock; not all three freezes
Child freeze paperworkYou + bureausFamily plan help as advertised
Password unique-ificationYou + a vaultIncluded manager if you use it
Ongoing dump alertsOptionalCore monitoring pitch

A calm week-one list

Write down what leaked. Fix passwords. Decide freeze versus not. Open IdentityTheft.gov if fraud is already happening. Shop Aura only after that list, as a watch-and-walk-through layer — not as the official process.

Editor take

Government steps first. Dashboard second.

Use IdentityTheft.gov and bureau freezes as the spine. Add Aura if you want ongoing alerts and a U.S. specialist on the phone. Do not skip the spine because a bundle homepage looked more expensive and therefore more official.