What to Do If You Were Affected by the Equifax Hack
"security incident" earlier this week
affected 143,000 Americans. That's a huge number of people, which means that the chances that either you or someone you know being affected are pretty high. Equifax's site was even providing positive results for fake social security numbers at one point.
If you were one of the hundreds of thousands that are impacted by the attack, then you have to figure out what to do next. CNET put together
a pretty good step by step
for people. Here are a few of its suggestions:
Enroll in TrustedID
Equifax is offering
a free year of TrustedID
to everyone. The
Equifax faced a bit of backlash via social media when it made the offer, one because you have to wait to sign up on a specific date the company doesn't plan on reminding you of, and two, because a clause in the terms of service of the company's site dedicated to the hack added an arbitration clause that seemed to imply you were waving your right to sue the company for the hack if you took advantage of it.
The clause really only applied to suing them specifically for the site itself, not the hack, but the company
added an opt-out feature
Friday, which allows you to opt-out of giving up your right to sue by sending a letter.
The tool on the site that tells you if you were hacked might also be broken right now, so there's that.
Check Your Credit
This breach actually happened three months ago, so there's a chance that your information is already being used. Check your credit report and make sure there's nothing out of the ordinary happening.
Freeze your credit
CNET suggests freezing your credit , which is a suggestion we made last week as well. If you freeze your credit, then anyone who wants to use your credit to open an account with need a special PIN number.
If you're not planning on making any big purchases soon or opening any new credit cards, then it can be a good preventative move in keeping your credit safe.
Set a Fraud Alert
Setting up a fraud alert is another one of those things that will make using your credit a bit of a hassle, but can keep you protected. If you set up a fraud alert, then a company will have to verify your identity before they can open an account in your name.
You set one up by contacting a credit bureau (Equifax, Experian, TransUnion), and they last 90 days.
Keep an Eye on Your Taxes
CNET brings up a good point about watching out when you file your taxes this year. Sometimes people will use personal info to file false tax returns to get refunds. That means if you file your taxes after them, you might get a message from the IRS saying your taxes have already been filed.
If you can, make sure to file your taxes on the early side this year.