The Melanie Henderson Team
423 North Main Street Doylestown, PA 18901
Phone: 215-348-7100 |Office Phone: 215-348-7100 | Toll Free: 800-360-7100 | Fax: 267-354-6822
Cell: 267-664-9757 | email@example.com
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September 21, 2017 1:02 am
Recently Equifax, one of our nation's three major credit reporting bureaus, announced that it had been breached. This means millions of consumer credit reports were made available to hackers, including their credit card numbers, social security numbers, birth dates, addresses, and in some cases, driver's license numbers. To help, Equifax has created a website ─ https://www.equifaxsecurity2017.com ─ where consumers can check to see if their personal information may have been exposed.
In addition, below are additional steps that consumers should take.
Obtain your credit report every year from each of the three major credit bureaus ─ Equifax, Experian, and TransUnion. All consumers are entitled to obtain a free copy of their credit report from each of these companies every 12 months. You can do this by visiting www.annualcreditreport.com, or by calling each of them by phone (Experian at 888-397-3742, TransUnion at 800-680-7289, and Equifax at 800-525-6285).
Consider placing a "credit freeze" on your credit reports with these companies. In most states, including Illinois, each credit bureau may charge you up to a $10 fee for a credit freeze. (Equifax announced on Sept. 12 that it will no longer charge $10 for a security freeze.) A credit freeze prevents lenders and others from accessing your credit information, making it much harder for someone to open a new account of any kind in your name ─ only your current creditors will be able to access your credit report. Also note that you can tell the credit bureaus to lift your credit freeze if you need to apply for new credit, which you can do for a particular credit application or temporarily for a chosen period of time. Keep in mind that a credit freeze won't prevent your creditors from reporting your payments on existing accounts to the credit bureaus.
Pay close attention to credit card and bank account statements for any unauthorized charges.
Consider placing a fraud alert on your credit report files. This alert warns creditors that you may be an identity theft victim, and they should take extra steps to verify that anyone seeking credit in your name is really you!
Consider enrolling in a credit monitoring service. Equifax is offering one free year of credit monitoring to all consumers, regardless of whether your personal information may have been stolen. You can find many other reputable companies that offer this type of service by conducting an Internet search for credit monitoring services.
Published with permission from RISMedia.
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