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Equifax Data Breach:



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 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 year.

To see recommended courses of action the Federal Trade Commission has provided on the breach, visit 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 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.

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