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Equifax Data Breach

September 15, 2017

Frequently Asked Questions

I've been hearing about the Equifax breach in the news. What happened?

Equifax, one of three major credit bureaus, experienced a massive data breach. The hackers accessed peope's names, Social Security numbers, birth dates, addresses and, in some instances, driver's license nmbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Was my information stolen?

If you have a credit report, there's a good chance it was. Go to a website set up by Equifax to find out: https://www.equifaxsecurity2017.com/. Click on "Potential Impact," at bottom of the page, enter your personal information and the site will tell you if you've been affected. Be sure you're on a secure network, not wi-fi, when you submit sensitive data over the internet.

How can I protect myself?

Enroll in Equifax's services - Equifax is offering one year free credit monitoring and other services, whether or not your information was exposed. You can sign up at https://www.equifaxsecurity2017.com/.

Monitor your credit reports - In addition, you can order a free copy of your creidt report from all three of the credit reporting agencies at www.annualcreditreport.com.  You are entitled to one free report from each of the credit bureaus once per year.

Monitor your bank accounts- We also encourage you to monitor your financial accounts regualry for fraudulent transactions. Use online and mobile banking to keep a close eye on your accounts.

Watch out for scams related to the breach - Don't trust emails that appear to come from Equifax regarding the breach. Attackers are likely to take advantage of the situation and craft sophisticated phishing e-mails.

Should I place a credit freeze on my files?

Before deciding to place a credit freeze on  your accounts, consider your personal situation. If you might be applying for credit soonor think you might need quick credit ina emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus. A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new acocunt.

How do I contact the three major credit bureaus to place a freeze on my files?

Equifax: 800-349-9960 or website

TransUnion: 800-909-8872 or website

Experian: 888-397-3742 or website

Where can I get more information about the Equifax breach?

Learn more directly from Equifax at https://www.equifaxsecurity2017.com/. You can visit the Federal Trade Commission's web page on the breach at https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do. To learn more about how to protect yourself after a breach, visit https://www.identitytheft.gov/Info-Lost-or-Stolen.