Equifax Data Breach & What You Should Know

October 12, 2017

On September 7, 2017 Equifax Announced that they had experienced a Data Breach potentially impacting 143 million U.S. consumers. The Information accessed primarily included names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. In addition, approximately 209,000 consumer credit card numbers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers were accessed. As part of Equifax’s investigation they also identified unauthorized access to limited personal information for certain UK and Canadian residents. In lieu of this breach we at Central Missouri Community Credit Union want to let you know we care about each and every member’s personal information and security.  Make sure that you check your account’s daily if not at least weekly against any charges you have made.  You can also by law pull your credit reports for free, once a year, from all three Credit Bureaus. You can pull all three at once or pull from one and then wait a quarter and pull one from the other reporting agency and compare them. The website for that is: https://www.annualcreditreport.com/index.action

Below we have included some helpful websites that can help you through this time.

 

Equifax Website -This will lead you to their website with information on how to check your Social Security number to see if you have possibly been affected and other useful information.  https://www.equifax.com/personal/?/ FTC Informational Links -There are a couple of very helpful links below from the FTC that will help you understand and navigate this issue: https://www.consumer.ftc.gov/blog/2017/09/free-credit-freezes-equifax https://www.ftc.gov/equifax-data-breach With all the Debit Card Fraud and Data Breaches here is a very good link which goes through what we at the Credit Union are doing on your behalf. Towards the bottom there is a video and a link to an already written letter to Congress to change things. http://www.stopthedatabreaches.com/ Here is a brief list of risk management practices to help manage plastic card fraud. • Don’t respond to email, text or telephone calls asking for personal or financial information • Frequently review account activity and immediately report unauthorized transactions • Place an initial fraud alert with credit bureaus if fraud has occurred • Enroll and opt-in for transaction monitoring through our Virtual Branch website, set up alerts on  deposits from savings and checking accounts. Consumer Financial Protection Bureau – Another helpful website https://www.consumerfinance.gov/about-us/blog/identity-theft-protection-following-equifax-data-breach/

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