Account takeover threats have evolved, with criminals exploiting methods beyond stolen passwords, including session hijacking and SIM swaps, posing new challenges for online security.
In today’s digital landscape, the notion of account security has expanded significantly. While stolen passwords have traditionally been viewed as the primary method for unauthorized access, cybercriminals are increasingly employing more sophisticated techniques to bypass login protections. These methods include hijacking active login sessions, manipulating multifactor authentication (MFA), and exploiting vulnerabilities in mobile services.
Passwords remain a crucial element of online security, but they are no longer the sole barrier protecting your identity. Here are six emerging threats that can compromise your accounts, along with practical steps to enhance your security.
When you log into a website, the service often establishes a session that confirms your identity. This session allows you to remain logged in without re-entering your password frequently. However, cybercriminals can steal the digital tokens or cookies associated with these sessions. If successful, they can gain access to your account without needing your password or any additional verification.
To protect yourself, regularly review the devices and active sessions linked to your accounts. Sign out of any sessions you do not recognize and monitor for suspicious login activity. If you suspect unauthorized access, change your password using a secure device and revoke other active sessions when possible. Keep in mind that removing a device from your account does not always terminate an active session.
Your phone number is often tied to various accounts, including email, banking, and social media. Criminals may attempt to convince your mobile carrier to transfer your number to a SIM card or eSIM they control. If successful, they can intercept calls and text messages meant for you, including verification codes. A sudden loss of cellular service can be an early warning sign, especially if there are no known outages in your area.
To safeguard against this threat, inquire with your carrier about setting up an account security PIN, number transfer lock, and port-out protection. These measures can vary by provider. For sensitive accounts, consider using passkeys, security keys, or authenticator apps, which do not rely on your phone number for verification.
Multifactor authentication adds an extra layer of security, but criminals may target individuals receiving authentication requests. One tactic, known as MFA fatigue or push bombing, involves repeatedly sending approval notifications until the user inadvertently taps “Approve” to stop the alerts. Attackers may also impersonate technical support or financial institutions, requesting that you read a one-time security code aloud.
To defend against this, never approve a login you did not initiate, and do not share verification codes with anyone who unexpectedly contacts you. If you receive repeated prompts, deny them and check your account through its official website or app. Change your password if you suspect it has been compromised, and opt for phishing-resistant authentication methods when available.
Infostealers are malicious software programs designed to gather sensitive information from your device. These programs can steal passwords, session cookies, payment information, and more. They can infiltrate your system through fake software updates, pirated applications, suspicious email attachments, or compromised browser extensions. Some malware operates covertly, making it difficult to detect unusual activity.
To protect your devices, keep your operating system, browser, and security software up to date. Avoid downloading software from untrusted sources and regularly review your browser extensions. If you suspect malware, use a separate, trusted device to secure important accounts and run a security scan with reputable antivirus software. In severe cases, professional assistance or a complete operating system reinstall may be necessary.
Some attackers may not need to steal your password or infect your device; they may trick you into granting a connected application permission to access your information. For instance, a seemingly legitimate productivity tool might request access to your email, contacts, or cloud storage. If you approve these requests, the malicious app can retrieve your information, sometimes even after you change your password.
This technique, known as OAuth consent phishing, can leave your accounts vulnerable. To mitigate this risk, regularly review third-party applications connected to your important accounts. Remove permissions for any apps you no longer use or do not recognize, especially those requesting access to sensitive information.
Passkeys can significantly reduce the risk of traditional password phishing. They utilize cryptographic credentials linked to your device, security key, or password manager, making it much harder for fake login pages to steal your credentials. However, passkeys do not eliminate all security risks, as criminals may still target authenticated sessions or malicious applications.
To enhance your security, use passkeys whenever your important accounts support them. Protect your devices with strong screen locks and keep your recovery information current. If a service provides backup recovery codes, store them securely for future access.
Changing a compromised password is crucial, but it may not automatically eliminate all unauthorized access. Some services revoke existing sessions after a password change, while others require you to sign out of devices separately. Be vigilant about reviewing security settings for unfamiliar recovery addresses, connected devices, and app permissions. If you suspect an account takeover, act quickly, starting with the account that controls access to your other accounts, typically your primary email.
Consider placing a credit freeze, which is free and can prevent criminals from opening new credit accounts in your name. You must contact all three major credit bureaus—Equifax, Experian, and TransUnion—to freeze your reports. If you believe your identity has been stolen, visit IdentityTheft.gov for a personalized recovery plan from the Federal Trade Commission.
While strong account security is essential, identity misuse can occur outside the original account. Criminals may exploit exposed personal information to apply for credit or commit financial fraud without triggering traditional password alerts. Identity theft protection services can provide an additional layer of monitoring, alerting you to suspicious activity and offering assistance in the recovery process if your identity is compromised.
To ensure ongoing security, conduct monthly reviews of active sessions for your primary email and financial accounts. Remove devices you no longer use, and check for any changes to your recovery information or connected app permissions. A brief monthly security check can help you identify suspicious changes before they escalate into larger issues.
As cyber threats continue to evolve, it is crucial to remain vigilant and proactive in securing your online accounts. Regularly reviewing your settings and understanding the latest tactics used by criminals can significantly reduce your risk of account takeover.
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