Breaking: Did the Equifax System Breach Occur Months Earlier? Regardless, here is what’s Important

Consider this Information, Very Carefully…

 

More Equifax Lies? Company Originally Hacked Five Months Earlier Than It Disclosed

https://austrian.economicblogs.org/zerohedge/2017/durden-equifax-lies-hacked-earlier-disclosed/

FTC Recommendations:

https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do

Q. Does Datasecurit think it might be wise to take action and freeze your credit reports NOW?

A.Yes.

Freezing your equifax report is now free.

The other 2 big credit bureaus charge a fee depending on the state you do it from.

The inconvenience of freezing and unfreezing your accounts to do your business outweighs the high risk and inconvenience, in our opinion. (IOO)

“This breach illustrates the need for massive data security reform, and ultimately data rights to be recognized as a human right,” IOO.

Don’t take our word for it… Market Watch is owned by the Wall Street Journal

https://secure.marketwatch.com/story/equifax-breach-why-you-should-freeze-your-credit-report-today-2017-09-14

https://wolfstreet.com/2017/09/17/wells-fargo-recommends-credit-freeze-in-equifax-hack/

http://earthsfinalcountdown.com/wp/2017/09/18/equifax-is-not-your-friend-should-everyone-freeze-their-account/

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Freeze Links

https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp

https://www.experian.com/freeze/center.html

https://www.transunion.com/credit-freeze/place-credit-freeze2

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Action Tip: Consider Documentation as a layer of protection. To file a report with your State Attorney General,  and FTC at the federal level, see the links below. Be sure to Notify Law Enforcement if ID theft occurs to any account you may have, or if a new one is opened without your permission. Stay Vigilant.

MONITOR your reports and accounts!

The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.

https://www.consumer.ftc.gov/articles/0155-free-credit-reports

What’s the difference between a credit freeze and a fraud alert?

(Both might be best in this case)

A credit freeze locks down your credit. A fraud alert allows creditors to get a copy of your credit report as long as they take steps to verify your identity. For example, if you provide a telephone number, the business must call you to verify whether you are the person making the credit request. Fraud alerts may be effective at stopping someone from opening new credit accounts in your name, but they may not prevent the misuse of your existing accounts. You still need to monitor all bank, credit card and insurance statements for fraudulent transactions.

Three types of fraud alerts are available:

  • Initial Fraud Alert.If you’re concerned about identity theft, but haven’t yet become a victim, this fraud alert will protect your credit from unverified access for at least 90 days. You may want to place a fraud alert on your file if your wallet, Social Security card, or other personal, financial or account information are lost or stolen.
  • Extended Fraud Alert. For victims of identity theft, an extended fraud alert will protect your credit for seven years.
  • Active Duty Military Alert. For those in the military who want to protect their credit while deployed, this fraud alert lasts for one year.

To place a fraud alert on your credit reports, contact one of the nationwide credit reporting companies. A fraud alert is free. The company you call must tell the other credit reporting companies; they, in turn, will place an alert on their versions of your report.

Identity Theft is can be a number of things. Learn more.

https://www.identitytheft.gov/#what-to-do-right-away

There are class action lawsuits to consider as well. You have legal rights as an individual, or you might consider joining a class action. There already a number of class actions developing, and there will be more to come. Research the case and the terms of any particular suit to see how they effect your rights before committing to any course of legal action, if any. It is still early, and likely more information will be revealed.

https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs

If you choose to freeze you credit report at all 3 major credit agencies today, they are very very busy, so be persistent.

Consumer Alert! Due to the Equifax data breach we are experiencing extremely high volumes and there may be delays. We sincerely apologize and ask for your patience. For information on how you can protect yourself against identity theft click here.

https://www.experian.com/freeze/center.html

https://www.transunion.com/credit-freeze/place-credit-freeze2

https://www.freeze.equifax.com

Our increasing reliance on digital technologies expose us to increased vulnerabilities.

If indeed, we conclude that humans do have basic Data Rights, then as with every natural right, personal responsibility is required.

Protect Your Data.

All data and information provided on this site is for informational purposes only. datasecurit.com  makes no representations as to accuracy, completeness, currentness, suitability, or validity of any information on this site and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All information is provided on an as-is basis.

In addition, opinions change from time to time… This website is intended to provide a semi-permanent point in time, a snapshot and manifestation of limited analysis from a finite number of information sources, and as such, any thoughts and opinions expressed within out-of-date posts may not the same, nor even similar, to those we may hold today and in the future as more information is discovered and analyzed.

 

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