Patriot in the News

Equifax Data Breach

As of 9/7/17, Equifax has stated that there is “No Evidence of Unauthorized Access to Core Consumer or Commercial Credit Reporting Databases”. Regardless, it may be in your best interest to understand or review the information Equifax has been issuing in response.

We’re sure you have questions. For answers, Equifax is recommending that consumers go to www.equifaxsecurity2017.com or call 1-866-447-7759. Their call center is open every day (including week-ends) from 7:00 a.m.—1:00 a.m. Eastern time.

In addition to the Equifax Potential Impact website (https://www.equifaxsecurity2017.com/potential-impact/), Equifax will send direct mail notices to consumers whose credit card numbers (estimated 209,000 people) or dispute documents (estimated at 182,000 people) with personal identifying information were impacted.

Here are some other steps you may want to take to help protect yourself:

  •  Check your credit reports from Equifax, Experian, and TransUnion—for free—by visiting annualcreditreport.com. Whether or not your information was exposed, U.S. consumers can get a year of free credit monitoring and other services. If you have already taken advantage of your free request, the site will give you a date when you can come back to enroll. Write down the date and come back to the site and click “Enroll” on that date.
  •  Monitor your existing credit card and bank accounts closely for charges you don’t recognize. Accounts or activity that you don’t recognize could indicate identity theft.
  •  File your taxes early—as soon as you have the tax information you need, before a scammer can. Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job. Respond right away to letters from the IRS—and be wary of email or phone calls from individuals indicating they represent the IRS (these are usually scams).
  •  Consider placing a fraud alert on your files. A fraud alert warns creditors that the consumer may be an identity theft victim. If your credit file has a fraud alert on it and a loan request is made in your name, creditors will verify that you’re the one who applied for the loan.

Visit identitytheft.gov/databreach to learn more about protecting yourself after a data breach.