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Equifax Breach

September 9th, 2017 at 12:48 pm

Probably a good idea to check and see if your credit information was compromised by the Equifax Breach. Here is the link.

Turns out my husband and I are affected. Frown

I'm going to check my daughter's also, but need to dig out their social security numbers.

Next step is to sign up for the credit monitoring service. We are already signed up because of the breach that happened with the OPM (Office of Personnel Management). We will, of course, sign up again! It seems like it never ends!!

Were you affected this time?

13 Responses to “Equifax Breach”

  1. CB in the City Says:

    I just checked, and yes, I am affected.

  2. AnotherReader Says:

    Don't sign up until you read the terms and conditions. You give up your legal rights if you sign up. You can't sue or become part of a class action suit. I am affected but I won't trade my right to damages for a year of their service.

  3. jokeabee Says:

    I am affected, but also apparently so is my mom who passed away 6 years ago, which seems really off to me.

  4. creditcardfree Says:

    Another Reader, thanks for pointing that out. I will read that more carefully.

    @jokabee, so sorry!

  5. snafu Says:

    As I understand it, Equifax discovered they'd been hacked a few months ago; no explanation of the delay in reporting the situation. Has anyone reported identity loss or security breech? Does it mean if you forget to cancel the one year monitoring service, you will automatically be charged the annual rate in future years? Those who never check charges on their CC bills and who keep paying only the monthly sum to keep the account current, are vulnerable to the new credit monitoring charge each month.

  6. ceejay74 Says:

    I read on Twitter that someone entered "Test" and "12345" in the Equifax thing and it said they were affected. So they might just be assuming everyone is and acting like they've verified it!

  7. creditcardfree Says:

    Really ceejay? Ugh. What a mess!!

  8. ceejay74 Says:

    Yeah, I just checked again and many tweeters are claiming they entered made-up info and got the same message. Might be worth trying just to see if it's true!

  9. PatientSaver Says:

    I read that because of the backlash against their initial waiver of your right to enter class action lawsuit, that they dropped that.

    Either way, I'm going to freeze all 3 credit bureau accounts for a while. I went ahead and applied for one last credit card bonus offer )Chase Freedom) so i could get a discount paying my car/homeowners insurance in a few weeks, and that's all i need for a while.

    FYI, Equifax is not charging anyone to freeze their Equifax account.

    And yes, I'm affected. I'm also sick and tired of these data breaches. Rather than remain vulnerable/worried/helpless, I'm freezing my accounts, which in itself only assures someone couldn't open a new account in your name. They could still try to file a tax return in my name. I suggest everone file their returns as early as possible.

  10. Dido Says:

    To Patient Saver's point: filing your tax returns early in the year is good, but not always possible. If you have taxable investment accounts, you need to wait for your 1099-B, which technically should come the end of January but very likely may be the end of February, and certain funds are likely to lead to revised 1099-bs. And if you have any investments that produce a K-1 (partnership, s-corp, trust/estate income), the deadline for receiving the form is even later.

    As far as checking on your accounts: annualcreditreport.com offers one free report from each of the major services (Equifax, Experian, Trans-Union) each year, so if you space out your requests every 4 months, you can get a free report 3x per year with no limitations on participating in a class action.

  11. My English Castle Says:

    Mine said neither DH nor I was affected. But who knows? My Citi card had a fraudulent charge from a housewares store in Seattle turn up today.

  12. rob62521 Says:

    I checked and neither DH or I are supposedly effected.

  13. Joan.of.the.Arch Says:

    Supposedly I am not affected, while my husband is. We are concerned about bank accounts being drained. We are headed to bank #1 (of 4) this afternoon to talk about what we can do to prevent our account being drained by an impersonator. Freezing credit probably won't prevent that, will it?

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