If you have concerns about the Equifax® data breach,  please contact Equifax by clicking here or at 866-447-7559.

Protecting your identity

Protecting your identity is always a smart thing to do.  You have the power to manage the accessibility and security of your own information and the right to take steps to do so.  You can protect yourself and we are ready to help you.

Take steps to control your information:

Step 1: Be on alert

If you have been part of a data breach, the breached company should notify you directly.  Keep information they provide and follow up on the steps and suggestions they may have.

Pay attention to calls or mail

You may receive communications that aren’t expected either from a lender or from the IRS regarding your taxes or even from a collector about an account you don’t know anything about.  These are all signs you have been a victim of identity theft. If this happens, contact the creditor or IRS immediately and then contact us and we’ll be ready to guide you on what to do next.

Step 2: Monitor your credit report
Know your rights!

You have the right to a free credit report from all 3 credit bureaus every year. Visit AnnualCreditReport.com for your free report.  Reviewing the reports is the best way to see if there’s unusual activity like a new account or new or different personal information or inquiries from lenders you don’t recognize.

Credit Monitoring Companies
Monitors your 3 credit reports and includes identity theft insurance
Step 3: Monitor your financial accounts
Get organized

Visit all your online bank and financial accounts, and if you haven’t already, set up any alert features they may have. Adding these alerts will ensure you are notified of anything unusual occurring on existing accounts and could help you prevent fraud and move quickly if fraud has occurred.

Step 4: Initiate a fraud alert
Take action

If you have been the victim of fraud you can take instant action and place an initial fraud alert. Once you’ve done this we will notify the other 2 major credit bureaus. This step will warn lenders that you may have been a fraud victim and they will contact you directly before any new loan or credit is established in your name. The alert will stay on your credit report for 90 days and you can renew it when it expires.

Step 5: Lock your credit file

Lock your credit information by enrolling in TrueIdentity
You can lock access to your TransUnion credit file with a swipe of your finger or a click of a mouse. You’ll receive ongoing credit monitoring with this completely free service. No credit card required – instant access. Control is in your hands. TransUnion is the only bureau offering this free service.

About credit freeze
A credit freeze may be available under your state law. Be aware, a credit freeze may require payment of a fee as well as a waiting period when you want to unfreeze it to apply for credit in the future. For more information, click here.

Information about each credit agency

  • Telephone: 800-916-8800
  • Credit Freeze
  • Credit Locks:
    Transunion provides free and unlimited credit locks with unlimited reports.
    Click here to learn more and sign up.
    Additional States information can be found here.
  • 877-474-8273
  • 800-493-1058
September 11, 2017, information referenced and shared by TransUnion