Dark Web 101: What It Is, What's There, and How to Protect Yourself

We know you're regularly using the internet for work, shopping, email, social media, banking and more. But you might not realize that there's literally a "dark side" to the web.

If you aren't familiar with the Dark Web, it's a part of the internet that won't come up in your Google searches, and it can only be accessed with a special software or specific Dark Web-enabled browser.

The Dark Web is different from your normal internet because it hides your identity and location by sending your browsing information and data through encryption. It's called "Dark" for a lot of reasons, including "cloaking" your identity and not having information out in the open where it can be searched or accessed easily.

There are a lot of legitimate reasons to access the Dark Web. These include times you might want to protect your privacy. For example, detectives use this sometimes in their investigations, and journalists might use it to communicate with confidential sources. Sometimes, people who live in restrictive countries use the Dark Web to access information. Accessing the Dark Web is not illegal in most countries (including the United States).

Unfortunately, there are a lot of illegal ways that people use the Dark Web. This includes people who use the Dark Web to buy or sell illegal products, share stolen data or commit acts of fraud. Not to scare you, but there's a chance that your personal data and information might be on the Dark Web right now.

How to Protect Yourself

Fortunately, there are a few ways you can protect yourself from scams, fraud and unauthorized transactions that initiate on the Dark Web. Here are a few you should consider:

Dark Web Monitoring Services - A DWMS scans the dark web to see if your personal information, such as your account numbers and passwords, have been exposed or are being sold. Once you know what information is out there, you can take steps to secure your identity like changing passwords and keeping an eye out for unauthorized transactions.

Credit Monitoring Services - Credit monitoring is just what it sounds like! A company keeps track of your credit reports and usage, and alerts you if something seems off. It can be a valuable source of information that often tells you about problems before you discover them on your own.

Additional things you can do:

  • Lock your credit reports. You can ask the major credit monitoring agencies to lock your credit reports so that no one can access that information without your specific permission. (Sometimes you can do this on your own online by logging into the official websites for Equifax, Experian and TransUnion.)
  • Act quickly after a data breach. If your information has been compromised, you should do all you can to re-secure your information quickly. This includes changing passwords, fixing new errors on your credit report if they exist and enabling two-factor authentication on accounts.

We hope this information is helpful and you consider taking action to protect yourself from whatever is *out there* about you.

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Information is valid as of publication date and rates are subject to change without notice. View current deposit rates and current loan rates.

1Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you.
2Member Advantage Mortgage, LLC is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. This offer is available to properties located in the Commonwealth of Virginia, Maryland, and Washington, D.C. CommonWealth One Real Estate Lending Manager Shannetta Steward NMLS# 232087. Member Advantage Mortgage LLC is licensed by the Virginia State Corporation Commission, Mortgage Lender License MC-5045, NMLS ID #1557. Visit www.cofcu.org/MAM for complete terms and conditions. Member Advantage Mortgage LLC (MAM) is subsidiary of CUSO Development Company (CDC), which is owned and operated by credit unions for the benefit of credit unions and their members. CommonWealth One Federal Credit Union has an affiliated business arrangement with MAM and is an indirect, minority owner of MAM. Loans originated for CommonWealth One Federal Credit Union members benefit both MAM and CommonWealth One Federal Credit Union. Visit commonwealthone.memberadvantagemortgage.com/owners-disclaimer/ to view licensing information.

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