Determining an exposure rating to help prevent fraud risk from user data exposure

An apparatus, comprising:

• one or more memories;
• one or more transceivers;
• and
• one or more processors communicatively coupled to the one or more memories and the one or more transceivers, the one or more processors, either alone or in combination, configured to:
• obtain, via the one or more transceivers, a number of a set of protected commercial email domains, wherein the set of protected commercial email domains comprises commercial email domains to which opt-out requests for an email account of a user have been transmitted and from which successful opt-out responses have been received, and wherein the set of protected commercial email domains is a subset of a set of commercial email domains identified in the email account of the user and selected for opt-out;
• obtain, via the one or more transceivers, a number of a set of protected data broker records, wherein the set of protected data broker records comprises records associated with the user that have been removed by respective data brokers of a set of known data brokers in response to opt-out requests transmitted to the set of known data brokers, wherein the set of protected data broker records is a subset of a set of data broker records associated with the user that is determined based on a scan of websites associated with the set of known data brokers for the personal information of the user;
• and
• provide, to the user, an exposure rating for the user to enable the user to visualize a level of online exposure of the personal information of the user, wherein the exposure rating is determined based at least in part on an email score and a data broker score, wherein the email score is determined based at least in part on a number of the set of commercial email domains, the number of the set of protected commercial email domains, and the email portion of the exposure rating, and wherein the data broker score is determined based at least in part on a number of the set of data broker records, the number of the set of protected data broker records, and the data broker portion of the exposure rating.