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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.
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Equifax Credit Team
If you are a victim of a data breach, it does not necessarily mean that you are or will become a victim of identity theft. However, Equifax recommends that you take the following four steps as soon as possible to protect your personal information from misuse.
The basics of fraud alerts and security freezes:
2. Close accounts. Contact the appropriate creditors, banks, phone companies, and utility companies to close any accounts associated with the breached company, as well as any accounts that you know have or believe have been compromised or opened fraudulently.
3. Monitor your credit report. Credit monitoring enables you to watch your credit account activity and protect your identity during a period of time when you may be more vulnerable to identity theft. Some breached organizations offer free credit monitoring services to affected consumers for a limited time; if you receive a letter that offers free monitoring, take advantage of it before the offer expires.
Monitoring products typically charge a monthly fee and include these core product features:
Consumers can also obtain a free annual credit report from each of the three credit reporting agencies at www.annualcreditreport.com.
4. Stay alert. Identity thieves may not use your personal information right away—sometimes they can take up to a year or more. To stay on top of the situation, continue to monitor your credit reports regularly, and read your financial account statements promptly and carefully.
Watch for signs of identity theft like:
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.