Credential stuffing is an automated attack. Software takes leaked usernames and passwords from past breaches and tests them across thousands of sites.

If the password works, access is granted.

No phishing required.

Full explanation here:
👉 How It Happens: Data Breaches & Credential Reuse

Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.