Scam of the day – September 10, 2017 – Further important Equifax updates

It is unusual here at Scamicide to discuss the same scam for multiple consecutive days, however, the massive Equifax data breach story is continually evolving, affects you and warrants such coverage.

Under pressure from New York Attorney Eric Schneiderman and others, Equifax has removed the waiver of your rights to participate in a class action from the contract you must agree to in order to obtain free identity protection services from its TrustedID  program.  Therefore it makes sense to sign up for the program, which you can do here.

https://www.equifaxsecurity2017.com/enroll/

While Equifax also represented that you could find out from them whether or not you were specifically involved in the data breach, that representation is not accurate.  Numerous people have used fake names to test the system and in each instance were told that they probably were affected by the data breach.  This is mildly upsetting, but no more than that.  The sheer size of the data breach is so large and the potential harm so great that you should assume that you were affected.

TIPS

The advice as to what to do is still the same.  You should put a credit freeze on your credit reports at all of the three major credit reporting agencies.  Fraud alerts are worthless.  In addition, you should get copies of your credit reports from each of the three major credit reporting agencies to look and see if you have already been a victim because it is important to remember that this data breach has gone on for months.  You have the right to a free copy of your credit report from each of the three credit reporting agencies once each year.  What many of us do is stagger the request among the TransUnion, Equifax and Experian by requesting one every four months.

You can get your free copies of your credit reports by using this link.

https://www.annualcreditreport.com/index.action

Here are links to each of the credit reporting agencies for information about how to put a credit freeze on your credit reports: