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This is easier said than done, of course. There is no way to prevent credential stuffing completely; after all, the hackers can just as easily brute-force the first password as the second one, or the 10th. Still, there are some things you can do:

Use unique passwords for every account you have.

Use a strong password manager.

Avoid reusing the same password across sites, and make sure it’s not easily guessable. For example, use upper-case letters, lower-case letters, numbers and punctuation, and avoid words found in dictionaries. You can use a password-generating tool to create strong passwords like Strong Password Generator , or simply use the one that’s built in to your operating system.

Password managers will help you avoid reuse by remembering passwords for you. They create strong, random passwords for you.

Many of these online accounts will use the same username across multiple sites. If you do this, you’re effectively sharing one username and password with many sites. That is, unless you use different usernames for each site, as recommended in this Stack Overflow answer .

Another is phishing. Hackers send you e-mails in which they are supposedly from banks or companies you bank with, trying to trick you into clicking on a malicious link. There were an estimated 27 billion such attempts last year. The typical victim is a home user and the typical phishing scheme is to target banks or e-commerce sites.

Both of these attacks exploit a weakness of the user. They want to login to your accounts from unfamiliar websites. They want you to click a link in an e-mail in order to “verify” your identity. They want you to divulge personal or financial information in order to access your banking account.

Both of these are great steps to protect your accounts, but they won’t stop a determined attacker from trying to breach them. You need to keep your security software updated, and your passwords strong. But if you follow these steps, you’ll be much less likely to get your accounts hacked in the first place.

First, you can consider using an authentication app. These are standalone tools that are designed to help you log into your accounts. They rely on a code sent to your phone, and your phone sends that code to the site in question. The code typically changes every 30 seconds, but it doesn’t change for any site you’ve already logged into. The only downside to apps is that you need to download and install them, and that they can be slower than username/password logins.

As well as passwords, digital keys -- such as those used to log into online banking or online brokerage accounts -- make tempting targets for hackers. In 2016, there were an estimated 111 million such thefts, according to McAfee.

The sheer volume of these attacks means that if you reuse the same password across many sites, you may be exposed to an attack called password cracking . This involves trying different combinations of characters and symbols in an attempt to guess the matching password. 827ec27edc