What can you do to protect yourself?
As you may have already heard, cyber criminals have stolen 143 million credit records in a recent hacking of big-three credit bureau Equifax. Criminal may use this highly personal information to trick you.
Courtesy of KnowBe4.com –
Watch out for the following:
- Phishing emails that claim to be from Equifax where you can check if your data was compromised
- Phishing emails that claim there is a problem with a credit card, your credit record, or other personal financial information
- Calls from scammers that claim they are from your bank or credit union
- Fraudulent charges on any credit card because your identity was stolen
Here are 5 things you can do to prevent becoming a victim of ID theft:
- First sign up for credit monitoring (there are many companies providing that service including Equifax but we cannot recommend that)
- Next freeze your credit files at the three major credit bureaus Equifax, Experian and TransUnion. Remember that generally it is not possible to sign up for credit monitoring services after a freeze is in place. Advice for how to file a freeze is available here on a state-by-state basis: http://consumersunion.org/research/security-freeze/
- Check your credit reports via the free annualcreditreport.com
- Check your bank and credit card statements for any unauthorized activity
- If you believe you may have been the victim of identity theft, here is a site where you can learn more about how to protect yourself: www.idtheftcenter.org. You can also call the center’s toll-free number (888-400-5530) for advice on how to resolve identify-theft issues. All of the center’s services are free.