As you may be aware, there has been a data breach at Equifax. There were 143 million people whose personal information was exposed.
Here are the facts, according to Equifax. The breach lasted from mid-May through July. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
The information is evolving, but in the meantime here are…
3 Steps You Should Take To Protect Your Credit
1. Place a Security Freeze On Your Credit Report
A security freeze on your credit report generally prevents new credit and accounts from being opened in your name. You can place a “freeze” on your credit file by contacting each credit reporting company.
Equifax: Place, Temporarily Lift or Permanently Remove a Security Freeze, (800) 685-1111
Experian: Security Freeze, (888) 397-3742
TransUnion: Manage a State Security Freeze Online, (800) 680-7289
2. Fraud Alerts
A fraud alert lets creditors and lenders know your credit report may have been compromised. The alert lasts 90 days, and is a good step to take as it will protect your identity.
You can add a fraud alert to each of your credit files by going online or calling each bureau.
3. Credit Monitoring
Whether your information has been exposed or not, it is ALWAYS a good idea to be enrolled in credit monitoring/ If you do not already have it, you should sign up. When you have credit monitoring, you will receive alerts when there are any changes with your credit, which will help avoid any surprises when it comes time to get a loan or credit. We usually recommend this site, which monitors all three bureaus.
Oasis Mortgage, LLC
2830 E Brown Road, Suite 17
Mesa, AZ 85213
AZ License #MB-0932989