Equifax Inc. (NYSE: EFX) announced they have been a victim of the very cyber security attack consumers look to them to help detect. The incident impacts roughly 143 million people, and you need not be a direct customer of Equifax to have been affected.
Ines Gutzmer, of Equifax’s Consumer Communications states that, “The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed.”
If you are wondering if you personally have been affected, you can visit a dedicated site created by Equifax , https://www.equifaxsecurity2017.com/potential-impact/ and you can also sign up for a complimentary one-year trial period of TrustedID Premier, a 3-Bureau credit monitoring resource. BUT BE WARNED, there is verbiage in the signing up of these services that can limit your rights to sue Equifax should you find yourself a victim of fraud as a result of this breach if you sign up for these services. There is an opt out provision, but you must notify Equifax within 30 days in writing after getting these services in order to retain that right.
Michael Holmes, President of Delta Credit Restoration gives this warning to consumers, “This sort of hack is much more widespread than people may think. Remember, you an I are not the customers of the Bureaus. The true customers of the Credit Reporting Agencies like Equifax are actually the debt collectors and lenders that report, for a fee, information about you to these Depositories. Consumers are the natural resource. Credit Reporting Agencies collect information about you regardless of whether or not you are a direct customer of theirs. Everyone should closely monitor their credit after this hack for years to come, and the fact that Equifax is trying to limit their exposure as people look at the damages they allowed is criminal. I would recommend simply using a third-party vendor like Identity Guard, or you can get a free copy of your reports, without the score from Annual Credit Report.
If you have been a victim of this hack, we would love to hear your story. Tell us about it so we can share with the community your experience.
If you have questions regarding this or other identity theft issues, contact a representative of Delta Credit Restoration at 81-567-5855 for a free consult.
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