Agent skill

Breach Credit Monitor

by mukul975 in mukul975/Privacy-Data-Protection-Skills

Coordinates credit monitoring and identity theft protection services for individuals affected by a data breach.

Apache-2.0Auto-check passedLegal & Compliance

Install Breach Credit Monitor

skills CLI
$ npx skills add mukul975/Privacy-Data-Protection-Skills --skill breach-credit-monitor -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install mukul975/Privacy-Data-Protection-Skills breach-credit-monitor --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/mukul975/Privacy-Data-Protection-Skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/privacy/breach-credit-monitor .claude/skills/breach-credit-monitor && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
breach-credit-monitor
GitHub stars
301
Token cost
~2.1k tokens
SKILL.md length
948 words
Files
5 (incl. scripts, references, assets)
Skills in repo
280
Repo updated
First seen
Licence
Apache-2.0

At a glance

Coordinates credit monitoring and identity theft protection services for individuals affected by a data breach.

  • Works in 5 steps: Generate unique activation codes: One… → Include activation details in breach… → Set up dedicated enrollment portal:… → …
  • Tasks that involve Vendor and procurement management
  • SKILL.md covers Overview, Vendor Selection Criteria, Coverage Duration Guidelines and Enrollment Logistics, plus 2 more sections
  • Runs Python scripts from its folder

What it does

Breach Credit Monitor is an agent skill from mukul975/Privacy-Data-Protection-Skills. Coordinates credit monitoring and identity theft protection services for individuals affected by a data breach. Covers vendor selection criteria, enrollment logistics, coverage duration (12-24 months), identity theft insurance options, communication to affected individuals, and enrollment rate tracking. Keywords: credit monitoring, identity protection, breach response, Experian, enrollment, identity theft insurance.

Its SKILL.md is about 2.1k tokens, which your agent loads only when the skill is triggered. The skill folder holds 7 other files, including scripts, reference files and assets (for example `assets/template.md`, `references/standards.md` and `references/workflows.md`).

It sits in Legal & Compliance, covering Vendor and procurement management, Security operations and Privacy and GDPR. The repository describes itself as: 282+ structured privacy & data protection skills for AI agents. GDPR, CCPA, EU AI Act, HIPAA, LGPD, PIPL, DPDP Act. The licence is Apache-2.0.

When your agent uses it

  • Tasks that involve Vendor and procurement management
  • Tasks that involve Security operations
  • Tasks that involve Privacy and GDPR

Example prompts

  • “Use the breach-credit-monitor skill to coordinate credit monitoring and identity theft protection services for individuals affected by a data breach”
  • “/breach-credit-monitor”

Requirements

  • Python 3

Workflow steps

5 steps, taken from the first numbered list in SKILL.md.

  1. Generate unique activation codes: One code per affected individual. Codes must be unique, non-guessable, and time-limited (90-day…
  2. Include activation details in breach notification letter: Provide the enrollment URL, activation code, and step-by-step instructions in…
  3. Set up dedicated enrollment portal: stellarpayments.eu/breach-support/enroll — branded co-portal with Experian.
  4. Provide alternative enrollment channels: Toll-free phone enrollment for individuals who cannot or prefer not to enroll online: +49 30 7742…
  5. Enrollment support: Dedicated operators available during enrollment window to assist with technical issues.

What it can do on your machine

Read from SKILL.md and the folder at commit 9b2ef9e. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    Ships 1 file in scripts/ (Python), which the agent can run.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Breach Credit Monitor loads about 2.1k tokens when it runs, and up to ~3.1k if it reads all its reference files. Until then it costs about 110 tokens; SKILL.md has 948 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~110
When it runs · the whole SKILL.md, loaded when a task matches
~2.1k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~3.1k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); the scripts in this folder are not scanned.

SKILL.md

The full file from mukul975/Privacy-Data-Protection-Skills at commit 9b2ef9e, republished under its Apache-2.0 licence (© mukul975). 948 words, ~2,139 tokens.

Download SKILL.mdSave it as .claude/skills/breach-credit-monitor/SKILL.md (or your agent's skills folder). This skill also uses 4 other files; get the full folder from GitHub.
name
breach-credit-monitor
description
Coordinates credit monitoring and identity theft protection services for individuals affected by a data breach. Covers vendor selection criteria, enrollment logistics, coverage duration (12-24 months), identity theft insurance options, communication to affected individuals, and enrollment rate tracking. Keywords: credit monitoring, identity protection, breach response, Experian, enrollment, identity theft insurance.
license
Apache-2.0
metadata.author
mukul975
metadata.version
1.0
metadata.domain
privacy
metadata.subdomain
data-breach-response
metadata.tags
credit-monitoring, identity-protection, breach-response, enrollment, identity-theft

Managing Breach Credit Monitoring

Overview

Offering credit monitoring and identity protection services to affected individuals is a standard post-breach measure that mitigates harm, demonstrates organizational responsibility, and may reduce regulatory and litigation exposure. While not explicitly required by the GDPR, it is considered a best practice under Art. 34 and is frequently required under US state breach notification laws for breaches involving SSN or financial data. This skill covers the end-to-end process of vendor selection, enrollment logistics, coverage management, and communication.

Vendor Selection Criteria

Tier 1 Providers (Global Capability)
ProviderProductCoverageIdentity Theft InsuranceDark Web MonitoringGeographic Coverage
ExperianIdentityWorksCredit monitoring (1 bureau or 3 bureau), SSN tracking, address change alertsUp to $1M / EUR 25,000YesUS, UK, EU (select markets)
TransUnionTrueIdentityCredit monitoring, credit lock, credit score trackerUp to $1MYesUS, Canada
EquifaxID PatrolCredit monitoring, SSN monitoring, lost wallet protectionUp to $1MYesUS, UK, Canada
KrollIdentity MonitoringCredit monitoring, cyber monitoring, identity restorationUp to $1MYesUS, EU, APAC
AllClear IDIdentity RepairCredit monitoring, identity repair, fraud investigationUp to $1MYesUS
Selection Criteria Weighted Scoring
CriterionWeightDescription
Geographic coverage25%Must cover all jurisdictions where affected data subjects reside
Enrollment capacity20%Must handle peak enrollment volume (target: 50% of affected in first 7 days)
Speed of activation15%Time from contract signing to enrollment portal availability
Language support15%Portal and communications must be available in languages of affected population
Identity theft insurance10%Coverage amount, deductible, claim process simplicity
Dark web monitoring10%Real-time scanning of dark web forums and marketplaces for compromised data
Cost per individual5%Price point per monitored individual per month

Primary vendor: Experian IdentityWorks — selected for EU + US coverage, multilingual portal (German, English, French, Dutch, Spanish), enrollment capacity for 50,000+ individuals, and established enterprise breach response program.

Contract terms negotiated under retainer SPG-EXP-2025-003:

  • Per-individual cost: EUR 8.50/month (12-month term), EUR 7.20/month (24-month term)
  • Enrollment portal activation: within 48 hours of contract activation
  • Languages: German, English, French, Dutch, Spanish, Italian, Polish
  • Identity theft insurance: EUR 25,000 per individual (EU), $1,000,000 per individual (US)
  • Dark web monitoring: included
  • Dedicated account manager and weekly enrollment reporting

Coverage Duration Guidelines

Breach TypeRecommended DurationRationale
Financial data (card numbers, bank accounts)12 monthsFinancial fraud typically occurs within 6-9 months of breach
Government identifiers (SSN, national ID, tax ID)24 monthsIdentity theft using government IDs can surface 12-18 months post-breach
Credential compromise (username + password)12 monthsCredential stuffing attacks typically peak within 3-6 months
Health data (medical records, insurance)24 monthsMedical identity theft is harder to detect and may take longer to surface
Combined (financial + government ID + health)24 monthsMaximum exposure requires maximum monitoring duration

Enrollment Logistics

Enrollment Process
  1. Generate unique activation codes: One code per affected individual. Codes must be unique, non-guessable, and time-limited (90-day enrollment window).
  2. Include activation details in breach notification letter: Provide the enrollment URL, activation code, and step-by-step instructions in the Art. 34 / individual notification letter.
  3. Set up dedicated enrollment portal: stellarpayments.eu/breach-support/enroll — branded co-portal with Experian.
  4. Provide alternative enrollment channels: Toll-free phone enrollment for individuals who cannot or prefer not to enroll online: +49 30 7742 9200 (EU) / 1-888-555-0199 (US).
  5. Enrollment support: Dedicated operators available during enrollment window to assist with technical issues.
Show full SKILL.md (385 more words)Show less
Enrollment Timeline
PhaseTimelineTarget
Portal activationWithin 48 hours of vendor contract activationBefore individual notification dispatch
First notification dispatchDay 1 of individual notificationAll affected individuals
Peak enrollmentDays 1-14 after notification40% enrollment rate
Follow-up reminder30 days after notificationTarget individuals who have not enrolled
Final enrollment deadline90 days after notificationFinal enrollment rate target: 70%+
Enrollment Tracking Metrics
MetricTargetReporting Frequency
Enrollment rate (cumulative)70% by deadlineWeekly
Daily enrollment volumeN/A (monitoring)Daily
Support call volumeN/A (capacity planning)Daily
Failed enrollment attemptsUnder 5%Weekly
Identity theft alerts generatedN/A (monitoring)Monthly
Insurance claims filedN/A (monitoring)Monthly

Communication to Affected Individuals

Initial Notification (Included in Breach Letter)

Include in the Art. 34 / breach notification letter:

Free Identity Protection: We are offering [12/24] months of complimentary identity protection through Experian IdentityWorks, at no cost to you. This service includes:

  • Credit monitoring and alerts
  • Dark web surveillance for your personal information
  • Identity theft insurance up to [EUR 25,000 / $1,000,000]
  • Identity restoration services if you become a victim of identity theft

To enroll:

  • Visit: stellarpayments.eu/breach-support/enroll
  • Enter your activation code: [UNIQUE CODE]
  • Enrollment deadline: [DATE — 90 days from notification]

Or call our enrollment hotline: [+49 30 7742 9200 / 1-888-555-0199]

Follow-Up Reminder (30 Days After Notification)

Subject: Reminder — Enroll in Free Identity Protection by [Deadline]

Dear [Name],

On [notification date], we notified you about a security incident that may have affected your personal information. We want to remind you that we are offering [12/24] months of complimentary identity protection at no cost.

If you have not yet enrolled, your activation code [CODE] is still active. Visit stellarpayments.eu/breach-support/enroll before [deadline] to activate your protection.

Cost Management

Budget Estimation Formula

Total cost = (affected individuals x enrollment rate x per-individual monthly cost x coverage months) + (enrollment portal setup) + (support staffing)

Example for SPG-BREACH-2026-003:

  • Affected: 15,230 individuals
  • Estimated enrollment rate: 70% = 10,661 enrollees
  • Monthly cost: EUR 8.50 (12-month term)
  • Coverage: 12 months
  • Total monitoring cost: EUR 1,087,422
  • Portal setup: EUR 15,000
  • Support staffing (3 months): EUR 45,000
  • Total estimated cost: EUR 1,147,422
Insurance Recovery

Cyber insurance policy (Stellar Payments Group — Allianz Cyber Enterprise, policy SPG-CYB-2025-001):

  • Credit monitoring costs are covered under "breach response costs" up to EUR 2,000,000 per incident.
  • Claim must be filed within 60 days of breach notification.
  • Deductible: EUR 50,000.

© mukul975, Apache-2.0. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

SKILL.md and 4 other files (scripts, references, assets) in skills/privacy/breach-credit-monitor of mukul975/Privacy-Data-Protection-Skills.

  • SKILL.md
  • assets/template.md
  • references/standards.md
  • references/workflows.md
  • scripts/process.py

Open the folder on GitHubat commit 9b2ef9e

Compare with similar skills

Breach Credit Monitor next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Breach Credit Monitor compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Breach Credit Monitor this skillmukul975/Privacy-Data-Protection-Skills301—~2.1kAutomated safety check: PassApache-2.0
Tech Contract Negotiation Patrick Munrolawve-ai/awesome-legal-skills847—~4.9kAutomated safety check: PassAGPL-3.0
Operational Designmagnus919/agent-skills115—~1.4kAutomated safety check: PassMIT
Breach Notification Triageahmadvh/octochains377—~861Automated safety check: PassCustom licence
Audit Reportharness/harness-skills115—~1.3kAutomated safety check: PassApache-2.0
Cis ControlsSushegaad/Claude-Skills-Governance-Risk-and-Compliance9461 repos~4.2kAutomated safety check: PassMIT

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Questions about Breach Credit Monitor

What does Breach Credit Monitor do?

Coordinates credit monitoring and identity theft protection services for individuals affected by a data breach. Breach Credit Monitor is an agent skill from mukul975/Privacy-Data-Protection-Skills. Coordinates credit monitoring and identity theft protection services for individuals affected by a data breach.

When should I use Breach Credit Monitor?

Breach Credit Monitor fits situations like: tasks that involve Vendor and procurement management; tasks that involve Security operations; tasks that involve Privacy and GDPR.

How do I install Breach Credit Monitor in Claude Code?

Run `npx skills add mukul975/Privacy-Data-Protection-Skills --skill breach-credit-monitor -a claude-code`. Or copy the skill folder (skills/privacy/breach-credit-monitor in mukul975/Privacy-Data-Protection-Skills) into .claude/skills/breach-credit-monitor in your project. Claude Code loads it when a task matches its description.

How do I install Breach Credit Monitor in Codex?

Run `npx skills add mukul975/Privacy-Data-Protection-Skills --skill breach-credit-monitor -a codex`. Or copy the skill folder (skills/privacy/breach-credit-monitor in mukul975/Privacy-Data-Protection-Skills) into .agents/skills/breach-credit-monitor in your project. Codex loads it when a task matches its description.

Can I use Breach Credit Monitor in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mukul975/Privacy-Data-Protection-Skills --skill breach-credit-monitor -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/breach-credit-monitor, .gemini/skills/breach-credit-monitor, .github/skills/breach-credit-monitor and .opencode/skills/breach-credit-monitor in your project.

What does Breach Credit Monitor need to run?

Going by SKILL.md and its folder, Breach Credit Monitor needs Python for the scripts in its folder. Our summary lists: Python 3.

Does Breach Credit Monitor access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Breach Credit Monitor safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. The check reads SKILL.md only: the scripts in the folder are not scanned, so read them before running anything.

What licence does Breach Credit Monitor use?

Breach Credit Monitor is published under the Apache-2.0 licence (declared in SKILL.md). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Breach Credit Monitor use?

About 2.1k tokens (SKILL.md is roughly 8.6k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 991 tokens, read only when the agent opens those files.

What are the alternatives to Breach Credit Monitor?

Skills that share tags, products or a category with Breach Credit Monitor: Tech Contract Negotiation Patrick Munro (lawve-ai/awesome-legal-skills, 847 stars), Operational Design (magnus919/agent-skills, 115 stars), Breach Notification Triage (ahmadvh/octochains, 377 stars) and Audit Report (harness/harness-skills, 115 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Breach Credit Monitor?

mukul975 (a GitHub user) maintains it in mukul975/Privacy-Data-Protection-Skills, which has 301 GitHub stars. The repository holds 280 skills in this directory. The repository was last updated on March 16, 2026.

Source: mukul975/Privacy-Data-Protection-Skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.