The Equifax Breach Aftermath …
As you probably recall, on September 7, 2017, Equifax announced that it had suffered one of the largest security breaches in recent years. Equifax revealed that an estimated 143 million Americans may be impacted by this breach. The data breach occurred from May through July 2017. Equifax discovered the breach on July 29, 2017. It is believed that approximately 209,000 credit card numbers and 182,000 personal documents containing names, addresses, social security numbers, birth dates and driver’s license numbers were improperly accessed during the course of the breach. Notably, Equifax has had other security breaches in recent years, but none so large.
The breach continues to serve as an excellent reminder to Americans about the importance of regularly monitoring your consumer credit reports. Equifax offered to provide certain credit monitoring services to those affected by the breach. However, these services are being provided only for a limited time. Those affected by the breach will now remain potential targets for identity thieves for the rest of their lives. The information, once leaked, can never be recalled, and it is unlikely your personal information will change during your lifetime.
Identity Theft continues to be one of the largest complaints with the Federal Trade Commission each year. At JAMISON LAW, LLC, Attorney Mandy Jamison recommends pulling one credit report from each of the “Big 3” (Trans Union, Experian, and Equifax) once every four months. You may pull a report from each of these agencies for free one time per year at www.AnnualCreditReport.com. (Please note, you can also obtain your credit report from other websites but the terms and conditions associated with other websites often are generally either not free or are subject to terms and conditions that may limit your legal rights. Attorney Jamison strongly recommends you go through this website and use the mail in request form to avoid potentially waiving any rights you may otherwise have.) You may also wish to watch your credit score for unexpected changes as this may indicate possible identity theft in the interim.
For more information on monitoring your credit reports, disputing inaccurate information on your credit report, or for information about your rights following identity theft, please review our website at: www.MyConsumerHelp.com.