Equifax announced that their system was breached by hackers
during the time period of mid may through July this summer.
As you probably already know, personal data of up to
143 million U.S. consumers was potentially compromised.
Credit card numbers for approximately 209,000 U.S. consumers
were also accessed.
Equifax has provided answers to your questions online
at www.equifaxsecurity2017.com or you may call 1.866.447.7559.
Their website allows you to see if you have been compromised
and are considered a potential victim and to enroll you
for free in their Trusted ID Premier program for one
To see recommended courses of action the Federal Trade
Commission has provided on the breach, visit https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do?utm_source=govdelivery The FTC site also provides information about Fraud alerts
and Credit Freezes and Credit Locks.
One thing that you should not do is assume that because
you’ve never heard of Equifax before, or never
agreed to give them your information is that they don’t
have it. Equifax doesn’t need your permission to
compile your information. Banks and other creditors furnish
consumer information to the three national credit bureaus,
Trans Union, Experian and Equifax.
Many of you may have been victims of prior data breaches
like the ones at Target, Home Depot orArbys. Considering
data breaches are happening more often, consumers must
stay on top of your money and financial situation and
fix any issues as soon as you can. No one has more invested
in your financial situation than you do.
You should be on guard against calls, texts or emails
claiming to be from Equifax, your credit card company,
credit union or bank. Never provide information to unsolicited
inquiries. Watch out for odd calls or letters from a
company you didn’t call or a rejection from an
account you didn’t try to open. Don’t worry
about changing numbers on your deposit accounts, like
checking and savings. These account numbers are not in
your credit files. However, don’t use data that
was in your credit files as part of any online user name
or password, for your email financial accounts, Facebook,
etc. Not your date of birth, not a past phone number
or street address, nothing.
CrossRoads does not use Equifax as a source of credit
information, and we cannot recommend a certain action
or inaction. What we can do is provide information for
you to consider as you decide what may be the best option
for you and we will do our utmost to answer your questions.
In addition to our loan staff expertise,we offer a link
from our website for your free annual credit reports
or you may call 877-322-8228 to request them. A good
practice is to use the free credit reports and stagger
them every four months. Another tool is Visa Purchase
Alerts. Know where your money is going if you have a
CrossRoads Visa credit card. Visit our website www.crossroadsfcu.org
to sign up for a text or email alert when your Visa credit
card is used and receive real-time alerts whenever purchases
meet the levels you choose. We are committed to safekeeping
the personal information of every member we serve.