THE EQUIFAX DATA BREACH: WHAT TO DO
If you have a credit report, there’s a good chance that you’re one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nation’s three major credit reporting agencies.
To learn if your personal information was compromised, visit Equifax’s website, www.equifaxsecurity2017.com.
Check your credit reports — for free — by visiting annualcreditreport.com. Accounts or activity that you don’t recognize could indicate identity theft. Visit IdentityTheft.gov to find out what to do.
• Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts.
• Monitor your existing credit card and bank accounts closely for charges you don’t recognize.
• If you decide against a credit freeze, consider placing a fraud alert on your files. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you.
• File your taxes early — as soon as you have the tax information you need, before a scammer can. Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job. Respond right away to letters from the IRS.
Visit www.identitytheft.gov/databreach to learn more about protecting yourself after a data breach.
Attorney, Division of Consumer & Business Education, FTC
Rest assured that Tulare County Federal Credit Union’s member data was not compromised; however we recommend you take cautious measures and review all of your accounts for unfamiliar activity.