If you have been following the news this week you have probably seen that on Thursday Equifax announced that it had been victim of hacking, a date breach that is one of the largest in American history. If the initial reports are accurate about 143 million people are impacted and at risk of having their social security numbers comprised and their credit card numbers stolen. This is a big a deal and can lead to a number of problems for anyone impacted.
What Can Happen If I Was Affected?
If it does turn out that you are one of the 143 million people that impacted by this hack there are many things that can happen. With the hackers having access to your social security number you are vulnerable to having unauthorized credit accounts be opened in your name. If they have access to your credit card accounts you may begin to see unauthorized charges in your statements.
How Can I Know Right Away If I Was Affected?
Right now you may not be able to know with certainty that you were one of the people impacted. You can go to https://www.equifaxsecurity2017.com/potential-impact/ and see if you were most likely one of the 143 million people. Once you are on that site you will be asked for your last name and last 6 digits of your social security number after that you will be notified if you were likely affected. Then Equifax will try to enroll you in their credit monitoring program. You do not have to do that and if you do may be forfeiting your rights to join in a class action law suit later.
What Steps Can I Take To Protect Myself?
The only real way to protect yourself and your credit score is to stay vigilant and check your credit statements every month and to check your credit reports often. If you find any authorized transactions or accounts you need to dispute those immediately and close credit card accounts as needed. If you are unable to get your credit reports clean you may need credit repair. At CRE Credit Services our program is designed to dispute and clean up any unauthorized accounts on each of your three credit reports. You can get started today by call 888 799 7267.