Equifax is one of three nationwide credit-reporting companies that track and rate the financial history of U.S. consumers. It gets its data from credit card companies, banks, credit unions, retailers, and lenders. The company reported that the personal information of roughly 143 million people was compromised. It was also reported that the compromise occurred sometime between May and July of 2017. visit the Equifax website, https://www.equifaxsecurity2017.com/ to learn more about this breach. This website also allows you to determine if your personal information may have been impacted by this incident by visiting the “Potential Impact” section and following the three steps listed. If you believe your information has been compromised, here are some resources to assist you with stopping the fraud:
- Contact Credit Bureaus to report fraud.
- Pull and review free credit report. You can pull a free copy of your credit report for each credit bureau at https://www.annualcreditreport.com.
- File a police report, for identity theft, with the local county authorities.
- Contact all financial institutions and report possible account compromise. Request for Account Password/Passphrase to be setup for all account activities.
- Report potential fraud to all Federal and State entities:
- IRS Identity Theft Affidavit Form – 1-800-908-4490
- In the event that you encounter fraudulent activity on your credit with any or all of the credit bureaus, you will need to dispute each event listed on the individual credit reports.
- Continue to monitor your credit every 90 days. Fraud Alerts only last 90 days! If you suspect that fraudulent activity is still possible, extend the fraud warnings with each credit bureau indefinitely or until any disputes have been resolved. Monitor credit annually after all events have been resolved.