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As you may know, a
data breach at Equifax compromised sensitive data for nearly half of all U.S.
consumers — including names, social security numbers, birth dates, addresses,
and the numbers of some driver's licenses. Hundreds of thousands of credit
card numbers were part of the hack. Now millions of Americans could be at
risk for identity theft.
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What can you do to protect
yourself?
1) Check with Equifax to see if you have been impacted. Start by clicking on the "Am I impacted?" button. 2) Decide if you want to enroll in credit monitoring. According to Equifax, if you were indeed impacted by the breach, you can enroll in credit protection and monitoring. Once you receive a signup date for the service, you will be given the option to register for one year of credit monitoring on or after that given date. 3) Place a security freeze on your credit files. Keep fraudsters from opening new accounts in your name and block your credit history by applying a credit file freeze at Equifax, Experian and TransUnion. Two important points regarding security freezes you should be aware of: |
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Depending on where
you live, there may be a fee to apply, and in some cases, remove the service
from your credit file. Equifax however said it would not charge for credit
freezes for those affected by the breach.
4) Protect your money. You can activate two-factor authentication for critical financial accounts, maximize your mutual fund security, place a fraud alert on credit reports, and secure your smartphone and email. It may sound like a lot to do, but taking these steps will really help protect your finances. Need help deciding which credit protection option is best for you? Learn more about the differences between a security freeze and a fraud alert. |
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