SALT LAKE CITY — Big retailers, hospitals and even schools have suffered data breaches. In Utah this year, the Salt Lake School District warned parents through email that hackers infiltrated one of their vendors. The email noted that Social Security numbers were not compromised. All that was exposed was personal data such as “name, date of birth, grade, address, contact information.”

But that doesn’t mean people should rest easy. The fact is most data breaches only expose that sort of personal data – the non-financials. And while it’s true that without a Social Security number or credit/debit card digits, a scammer’s ability to commit immediate financial fraud can be hampered, it’s not blocked. A crook can still do a lot of damage with just your name, phone number and email address.

“If

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