As you may have seen in the news today, Equifax Inc. (NYSE: EFX) announced a cyber security incident potentially impacting approximately 143 million U.S. consumers. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017.
How might this impact me?
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.
While Ventura County Credit Union does not report member credit information to Equifax for consumer loans, our real estate services does report to Equifax. It’s important to note that regardless of which bureaus we report, most consumer credit report information ends up replicated on all three of major credit bureaus, Experian, TransUnion and Equifax.
What steps can I take?
In light of this incident, Equifax has established a dedicated website, www.equifaxsecurity2017.com
, to help consumers determine if their information has been potentially impacted and to sign up for credit file monitoring and identity theft protection.
VCCU is encouraging all of our members to visit this site to review any personal impact. The website also provides additional information on steps consumers can take to protect their personal information. Equifax recommends that consumers with additional questions visit www.equifaxsecurity2017.com or contact the Equifax call center at 866-447-7559, which has been set up specifically to assist consumers. The Equifax call center is open every day (including weekends) from 7:00 a.m. – 1:00 a.m. Eastern Time.
In addition to the website, Equifax will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted.
To see if you were impacted by this breach, you can go here
to check using your last name and last 6 digits of your social security number.
If you find that you are impacted, we encourage you to review the monitoring service Equifax is offering at https://www.equifaxsecurity2017.com/enroll/
. Enrollment period ends November 21, 2017. The offering, called TrustedID Premier, includes 3-Bureau credit monitoring of Equifax, Experian and TransUnion credit reports; copies of Equifax credit reports; the ability to lock and unlock Equifax credit reports; identity theft insurance; and Internet scanning for Social Security numbers – all complimentary to U.S. consumers for one year.
Also, please be aware that this type of breach may lead to criminals pretending to be Equifax with bogus requests soliciting personal, confidential information and/or offers of credit protection via email or other methods.
For additional information about this breach, please visit Equifax's frequently asked questions page.