Equifax Breach - What You Should Know & Do
10/23/17 UPDATE: More helpful information provided by CO-OP, a valued credit union partner. Read here.
9/14/17 UPDATE: Scammers have taken the opportunity of the recent data breach to launch a new scam; they are calling and posing as EQUIFAX representatives. EQUIFAX DOES NOT CALL/WILL NOT CALL YOU TO VERIFY YOUR INFORMATION. If you get a call from "Equifax" simply hang up. This is a scam.
On September 7, 2017, Equifax, one of three nationwide credit-reporting agencies, announced a breach of its database potentially impacting approximately 143 million U.S Consumers. The breach lasted from mid-May through July of this year. The hackers accessed names, Social Security numbers, birth dates, addresses, and in some instances, drivers license numbers. They also obtained credit card numbers for about 209,000 people.
According to the Federal Trade Commission, there are steps to take to help protect your information from being misused. Visit Equifax's website, www.equifaxsecurity2017.com and take the following action steps:
- Find out if your information was exposed. On a secure computer, enter the site and follow the steps to find out if you've been affected by the breach
- Whether or not your information was exposed, U.S. consumers can get a year of free credit monitoring and other services. The site will give you a date when you can come back to enroll. You have until November 21, 2017 to enroll.
- You can also access frequently asked questions on that site.
Other steps you can take to help protect yourself:
- Check your credit reports from Equifax, Experian and TransUnion - for free - by visiting annualcreditreport.com. Accounts or activity that you don't recognize could indicate identity theft. Visit IdentityTheft.gov to find out what to do.
- Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open an account in your name. Keep in mind that a credit freeze won't prevent a thief from making changes to your existing accounts.
- Monitor your existing credit card and savings and checking accounts closely for charges you don't recognize.
- If you have a TCCU credit card, enroll in Fraud Text Alerts.
Visit Identitytheft.gov/databreach to learn more about protecting your information.
At TCCU, our members' security is a priority, and we have procedures in place to verify members' identity and information as we conduct business on a day to day basis. As a result of this recent breach announcement, you may notice that we are taking additional steps to verify your identity before releasing account information. Just remember that we have your safety and security in mind.