Equifax Data Breach

Equifax Data Breach

by: Earl Blackmon

With the hurricanes ruling the news lately, we did not want you to miss imperative information related to the recent Equifax data breach. We are all at risk of identity theft due to a major data breach at Equifax, one of the three major credit reporting agencies. It is a massive cyber security issue involving personal data for millions of individuals. Hackers stole names, Social Security numbers, birth dates, addresses, and in some cases, driver’s license numbers.

If you, like me, want to know whether you are impacted and what steps you can take to protect your personal credit information, you may find this helpful.

You can always review your personal credit reports once a year at no cost via www.annualcreditreport.com. This will allow you to see if there is anything out of the ordinary on your credit or something that you may not be aware of.

Equifax has a resource at https://www.equifaxsecurity2017.com/consumer-notice/ that provides updates, FAQs, tips and other information. You can initiate a freeze on your credit through the three major bureaus. Their information can be found in the link.

If you have been impacted, Equifax is offering to provide credit bureau, credit, and SSN monitoring at no cost via an enrollment on that site. Due to the breach, Equifax will provide you “TrustedID Premier”, which includes the following:

  • 3-Bureau credit monitoring for Equifax, Experian and TransUnion credit reports;
  • Copies of your credit reports from Equifax;
  • The ability to lock and unlock Equifax credit reports;
  • Identity theft insurance; and
  • Internet scanning for Social Security numbers.

To find out if your data was breached and to enroll in Trusted ID Premier go to https://www.equifaxsecuirty2017.com

After a cyber security attack, other thieves may try to take advantage of fear and create more fraudulent incidents. If you receive calls or emails, purporting to be from banks or other credit institutions please be aware that your institution should already have your personal information. There should be no need for them to ask for that to verify identity. Be mindful of email for any attempts at phishing. Most official communication from banks is still delivered by mail or initiated by you.

At hb&k we are passionate about our clients’ success. If you have any questions about the Equifax breach or any other issue related to your credit, please let us know.