In 2017, over 140 million people were affected by a data breach through Equifax. Equifax and its competitors, Transunion and Experian are used to determine how much of a risk people are for borrowing money. So, naturally they have some of the most sensitive information, such as social security numbers. How do you know if you were affected and, if so, what should you do? The Federal Trade Commission (FTC) has created a link for consumers to determine if their information was exposed.
Visit Equifax Breach …you will be asked your last name and last 6 digits of your social security number. From there it will determine if there is a possibility your information was exposed. You can also call the settlement administrator at 1-833-759-2982 to inquire. What do I do if I’ve been affected?
If your information was compromised, you can file a claim be visiting Breach Settlement Claim. Make sure you use only the official website through Equifax. Hackers can buy similar URL’s, so people will mistakenly type their information into the wrong website exposing your personal information once again. You also have the option to print and mail a hard copy.
The benefits that are available to you are:
- Free credit monitoring or up to a $125 cash payment
- Reimbursement for your time and other cash options
- Free Identity restoration services
A COUPLE THINGS TO REMEMBER…
- File ONLY through the FTC website and their settlement claim website listed above. It is very easy for hackers to create a fake settlement website to gain access to your information.
- You will NOT be asked for any kind of fee.
- Beware of anyone that calls and asks for your information over the phone. They are most likely scammers.