Equifax Data Breach - What You Need To Know

  
     
We link you to a site to help you determine if you're affected. You should check - the data exposed is all a con man needs to set up accounts and take out loans in your name.
September 08, 2017

The consumer credit reporting agency, Equifax, said on Thursday that hackers gained access to the data of approximately 143 million people living in the US.

The company says the hackers accessed

  • names,
  • Social Security numbers,
  • birth dates,
  • addresses
  • and, in some instances, driver’s license numbers.


THIS IS ALL THE INFORMATION A CON MAN NEEDS TO OPEN ACCOUNTS IN YOUR NAME AS WELL AS TAKE OUT MORTGAGES AND OTHER LOANS IN YOUR NAME.

In addition, the company says hackers accessed credit card numbers for approximately 209,000 people, and certain dispute documents with personal identifying information for approximately 182,000 people.

The company has set up a site to help you determine if your information was accessed. You can check here: https://trustedidpremier.com/eligibility/eligibility.html.

If your information may have accessed, you will receive a date when you return and sign up for Equifax's FREE credit monitoring and ID theft protection program. Monday is the sooner you can sign up, and it could be until November 21, 2017, before you can enroll. Here’s more information: https://www.equifaxsecurity2017.com/enroll/

Despite what you may have heard or read, the arbitration clause and class action waiver included in the language for the credit monitoring program does not apply to this incident.

Other steps you can take until you enroll:

  • Set up a security freeze on your credit reports. This means you will need to give lenders permission to access your information in order to give you a loan or open accounts in your name.
  • Set up a fraud alert. This alerts potential lenders to verify the identity of whoever is attempting to open an account in your name.


Here’s more information on both: https://www.bbb.org/council/news-events/news-releases/2017/09/bbb-tip-credit-freezes-and-fraud-alerts/

Equifax also recommends you look at account statements and credit reports yourself to check for fraud. You can request a free copy of your credit report at www.annualcreditreport.com. You may receive one free copy a year from each of the three credit reporting agencies. But BBB suggests you order a report just from one agency every three months.