Equifax

Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter

 

Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

Seven Reasons You Will Become a Victim of Identity Theft

Written by Equifax Experts on June 30, 2014 in Credit  |   No comments

Nobody wants to become a victim of the fast-growing crime of identity theft, but you may be putting yourself at risk without even realizing it. Often, the things you do to make your life more convenient are actually the ones putting you right in harm’s…

seven-reasons-you-will-become-a-victim-of-identity-theftNobody wants to become a victim of the fast-growing crime of identity theft, but you may be putting yourself at risk without even realizing it.

Often, the things you do to make your life more convenient are actually the ones putting you right in harm’s way.

Consider the following seven everyday habits that could make you an easy target for an identity thief:

1. Mailing documents with personal information from your own mailbox.

It may be tempting to walk to the end of your driveway to mail your tax return, an insurance form, or a credit card application, but you can never be sure in whose hands that important paperwork may land.

Identity thieves have been known to comb through mail in order to snatch documents with sensitive personal and financial information, such as your date of birth, Social Security and credit card numbers, and bank account details.

If a fraudster is able to glean enough information from your mailbox, he or she could hijack your credit and bank accounts or open new accounts in your name.

Tip: If you need to mail a document that contains personal information, mail it from the post office.

(Click here to learn what to do if you’re a victim of tax identity theft)

2. Giving out your Social Security number unnecessarily.

Your Social Security number is your most important personal identifier, and as a result, it is a hot-ticket item for identity thieves.

In some circumstances, you’ll be required to provide your Social Security number, such as when you start a new job, apply for credit, or file your tax return.

However, in other situations, your Social Security number may not be required—even if you are asked to disclose it or there’s a space for it on the paperwork you’re filling out. Providing your Social Security number is typically optional at a doctor’s office, for example.

Tip: When you are asked to provide your Social Security number, ask if it’s required. You may be able to give an alternative form of identification or just omit the number altogether.

3. Logging in to public WiFi.

Connecting to public WiFi has become more common than ever as consumers seek out an Internet connection for their smartphones and tablets.

You should think twice, though, before connecting to a public hotspot at a coffee shop, restaurant, or airport. Public WiFi is unsecure, so hackers could swipe any information sent over the network. They’ve even figured out how to create phony networks to steal information.

Tip: Steer clear of public WiFi, especially if you need to log in to online banking, email, social media, or any other account that contains personal or financial information. Seek out a password-protected, secure connection instead.

4. Making purchases on unfamiliar websites.

You may be comfortable shopping online and never flinch when entering your credit card information, but not all websites are created equal. Phishing websites, for example, are created to look legitimate, but they are really just designed to steal your personal information.

Tip: If you are not familiar with the website, do your homework. Try searching for the name and website URL to find customer review. Then make sure the website is secure—an “s” following “http” at the beginning of the address usually indicates a secure connection.

5. Using weak passwords for online accounts.

You aren’t doing yourself any favors by creating weak passwords that are easy to keep track of. You are, however, helping hackers who are out to steal your login information in order to access your data.

Tip: Create a unique password for each of your accounts, and include a combination of numbers, punctuation, and upper and lowercase letters. Don’t use information you may share on social media, such as your pet’s name or favorite sports team, or anything that would be easy to guess.

6. Oversharing on social media.

Whether you’re into updating your status, tweeting, or uploading photos, divulging too much information about yourself on social media networks could make you vulnerable to identity theft. If you share enough personal information, such as your date of birth or address, a fraudster could have the details necessary to steal your identity.

Tip: Share sparingly on social media, and review your privacy settings so you know if any of your information is public. Be wary of connecting with anyone you do not know.

7. Responding slowly to a data breach.

If you receive a notification saying you may have been the victim of a data breach, don’t just brush it aside. In 2013, one in three consumers who received a data breach notification letter became an identity fraud victim, according to Javelin Strategy & Research’s 2014 Identity Fraud Study.

Tip: Take advantage of any free credit monitoring that is offered in the wake of a data breach. Carefully review all of your financial statements, and regularly check your credit report so you can spot any suspicious activity before it gets out of hand.

Restoring your personal and financial life after falling victim to identity theft can be a long and stressful process, so practice good privacy and security habits now to help protect yourself.

No comments yet


Leave a Comment


Name :


Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.


Credit Archive