Equifax Data Breach
What Can You Do to Protect Yourself & Your Family?
Cyber criminals have stolen 143 million credit records in the recent hacking scandal at big-three credit bureau Equifax. At this point you have to assume that the bad guys have highly personal information that they can use to trick you. You need to watch out for the following things:What Can You Do to Protect Yourself & Your Family?
- Phishing emails that claim to be from Equifax where you can check if your data was compromised
- Phishing emails that claim there is a problem with a credit card, your credit record, or other personal financial information
- Calls from scammers that claim they are from your bank or credit union; PTF will never call, text, or email you and ask for personal information
- Fraudulent charges on any credit card because your identity was stolen
Here are 5 things you can do to prevent identity theft:
Here Are 6 Things You Can Do To Prevent Identity Theft:
- First sign up for credit monitoring. PTF offers a comprehensive program, “ID Protect,” with our Peace of Mind Checking account for a monthly fee of only $5.00; we do not recommend using Equifax’s credit monitoring program
- Visit our website: primetrustcu.com and click on “Protection Connection” for helpful consumer information
- Next freeze your credit files at the three major credit bureaus Equifax, Experian and TransUnion. Remember that generally it is not possible to sign up for credit monitoring services after a freeze is in place, so sign up for credit monitoring first. Advice for how to file a freeze is available here on a state-by-state basis: http://consumersunion.org/research/security-freeze/
- Check your credit reports via the free annualcreditreport.com
- Check your bank and credit card statements for any unauthorized activity
- If you believe you may have been the victim of identity theft, here is a site where you can learn more about how to protect yourself: www.idtheftcenter.org.
And as always, Think Before You Click!
While it's early in this breach, there will be a lot more information coming out in the days ahead. We will keep you updated when more news is available.
**Disclaimer: The information in this post is not meant to replace legal advice from an Attorney or Accountant. This post contains general consumer information based on cyber safety best practices. It is not the intent of PTF to provide any legal counsel to consumers who feel they may be a victim of identity theft.**