Equifax Breach

The 5 Things You Need to do Following the Equifax Breach

DON’T WAIT TO SEE IF SOMETHING HAPPENS!

  1.  Find Out If Your Information Was Exposed.  Visit www.equifaxsecurity2017.com and click on the “Potential Impact” tab.  (This will take you to a website away from our Bank’s website.)  Enter your last name and the last six digits of your Social Security number.  (Make sure you are on a secure computer and an encrypted network connection).  The site will tell you if you’ve been affected by this breach.
  2. Get Your Free Credit Reports.  Check your credit reports from Equifax, Experian, and TransUnion for free at annualcreditreport.com.  If you see anything you don’t recognize, visit IdentityTheft.gov to find out what to do.
  3. Place a Credit Freeze or Fraud Alert on Your Credit Files.  A credit freeze makes it harder for someone to open a new account in your name.  Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts.  You will need to contact all 3 major credit bureaus to place a credit freeze:
      1. Equifax: 800-349-9960
      2. TransUnion: 888-909-8872
      3. Experian: 888-397-3742
    • A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you.  You will need to call the same number as listed above for the 3 major reporting agencies to place fraud alerts.
  4. Monitor you Existing Credit Card and Bank Accounts Closely.  Look for charges you don’t recognize and report them immediately to your bank or credit card company.
  5. Mark Your Calendar to File your Taxes Early.  Mark your calendar to file your taxes as soon as you have the tax information you need.  Tax identity theft happens when someone uses your Social Security number to file a tax refund, so if you file before the scammer, they won’t be successful at committing this type of fraud.  Also, respond immediately to legitimate letters from the IRS, but be wary of fraudsters using your identity to pose as the IRS.