Community Credit Union
wants to help our members navigate the Equifax breach. Though this breach
was not related in any way to your credit union, our commitment is to helping
our members. We’ve compiled a summary for our members, as well as links
and resources to help our members learn more, and take action to protect their
identity and information.
Equifax: Next Steps
Like many Americans, you
may be concerned that your private information was exposed in the recent Equifax breach. We understand and want
to help our members by providing information and resources. We encourage all of
our members to visit the Equifax site to discover if their private information may
have been compromised and to take advantage of the free credit monitoring
service Equifax is providing to all consumers.
1. Find Out If You Were Impacted
Visit equifaxsecurity2017.com and click on the Check
Potential Impact Tab. Enter your last name and the last six digits of your
Social Security number.
2. Enroll In Credit Monitoring
Equifax is providing one
year of free monitoring protection through TrustedID for all consumers, even those not affected by the breach.
After checking your potential impact, you will be given an enrollment date to
return and sign up for the free service. TrustedID allows you to monitor your
credit. It also provides identity-theft insurance and internet scanning of your
social security number.
Equifax has also set up a dedicated call center at 866.447.7559 where you can speak to someone regarding any questions you may have about the breach.
We understand the importance of your personal information and want to make sure you know Community Credit Union is committed to keeping that information safe and secure. If you have additional questions for us, please call 207.783.2096.
- Access your current credit report at annualcreditreport.com
- Set up fraud alerts at consumer.ftc.gov/articles/0275-place-fraud-alert
- Place a freeze on your credit
Identity Theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name.
identity thieves by safeguarding your information.
- Shred financial documents and paperwork with personal information before you discard them.
- Protect your social security number. Don't carry your social security card in your wallet or write your social security number on a check. Give it out only if absolutely necessary or ask to use another identifier.
- Don't give your personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with.
- Never click on links sent in unsolicited e-mails; instead, type in a web address you know. Use firewalls, anti-spyware, and anti-virus software to protect your home computer; keep them up-to-date.
- Don't use obvious passwords like your birth date, your mother's maiden name, or the last four digits of your social security number.
- Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house.
suspicious activity by routinely monitoring your financial accounts and billing statements. Be alert to signs that require immediate attention.
- Bills that do not arrive as expected
- Unexpected credit cards or account statements
- Denials of credit for no apparent reason
- Calls or letters about purchases you did not make
- Your credit report. Credit reports contain information about you, including what accounts you have and your bill paying history.
- Your financial statements. Review financial accounts and billing statements regularly, looking for charges you did not make.
against identity theft as soon as you suspect it.
Place a "Fraud Alert" on your credit reports, and review the reports carefully. The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting agencies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient:
- Equifax: 800.525.6285
- Experian: 888.397.3742
- TransUnion: 800.680.7289
Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven't contacted, accounts you didn't open, and debts on your accounts that you can't explain.
- Close any accounts that have been tampered with or established fraudulently.
- Call the security or fraud departments of each company where an account was opened or charged without your okay. Follow up in writing, with supporting documents.
- Ask for verification that the disputed account has been closed and the fraudulent debts discharged.
- Keep copies of documents and records of your conversations about the theft.
- File a police report with law enforcement officials to help with creditors who may want proof of the crime.
Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations.
- Online: http://www.ftc.gov/idtheft
- Phone: 877-ID-THEFT
- Mail: Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
You are entitled to a FREE copy of your credit report every year! http://www.annualcreditreport.com/