{"id":6598,"date":"2017-09-11T16:14:40","date_gmt":"2017-09-11T20:14:40","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=6598"},"modified":"2020-07-13T22:28:16","modified_gmt":"2020-07-13T22:28:16","slug":"equifax","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/equifax\/","title":{"rendered":"Equifax Hack and How to Protect Your Credit Plus Identity"},"content":{"rendered":"<p>The recent Equifax hack has made 143 million people&#8217;s confidential information vulnerable.\u00a0 So you may as well assume you have been hacked.\u00a0 This is basically identity theft on steroids!\u00a0 Credit is a double edged sword.\u00a0 These days, everyone is a number and you need to have a good one.\u00a0 Having credit increases hacking risks, but with knowledge there are precautions that can be used for protection.<\/p>\n<h2>How to Protect Your Credit &amp; Confidential Information<\/h2>\n<p>Again, we are assuming that if you have credit, then your <a href=\"https:\/\/www.ssa.gov\/\">social security number<\/a> and identity are at risk.\u00a0 So it is important to be vigilant in the fight for your credit as well as your assets!\u00a0 Follow these tips and most importantly be proactive.<\/p>\n<ul>\n<li>Check all 3 credit bureaus<\/li>\n<li>Update passwords &amp; pin numbers<\/li>\n<li>Review bank &amp; credit card accounts often<\/li>\n<li>Beware of scams<\/li>\n<li>Review TrustedID terms of service before signing up<\/li>\n<li>Freeze your\u00a0credit<\/li>\n<\/ul>\n<h2>Check Your Credit Report &amp; Not Just Equifax!<img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-6628 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2017\/09\/hacked-300x148.jpg\" alt=\"equifax breach\" width=\"300\" height=\"148\" \/><\/h2>\n<p>Lately, there are so many sources that will provide a credit score to you.\u00a0 Sites include <a href=\"https:\/\/www.creditkarma.com\/\">creditkarma.com<\/a>, <a href=\"https:\/\/www.freecreditreport.com\/\">freecreditreport.com<\/a>, credit cards like <a href=\"https:\/\/www.discover.com\/free-credit-score\/\">Discover<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\/home\/dashboard\/credit-score\">Nerdwallet<\/a>.\u00a0 Sure, it is good to know your credit score, but there are other things to know.\u00a0 First, many sites give you a free score, yet charge for another service in order to get the score.\u00a0 Next, many sites offer free credit scores because it is a way to get you on their marketing list.\u00a0 Advertisers then contact you for offers.\u00a0 Another thing to remember is that credit scores vary depending on the type pulled.\u00a0 Check out &#8220;<a href=\"http:\/\/teammovemortgage.com\/blog\/2017\/06\/09\/mortgage-credit-score\/\">Why is my mortgage credit score lower than my free credit scores?<\/a>&#8220;.\u00a0 Finally, remember that pulling a credit score is not enough to protect you from credit breaches!<\/p>\n<p>So the most important &#8220;to do&#8221; is to review your ACTUAL credit reports, not just the credit scores.\u00a0 Also, there are 3 major credit bureaus to check.\u00a0 Although Equifax had the data breach, check all 3.\u00a0 Remember that not all companies or banks report to all 3 credit bureaus.\u00a0\u00a0Some companies will report to just one bureau.\u00a0 For instance, a regional bank or credit union may only report to Experian.<\/p>\n<p>But the hack was just to Equifax, so why should I check the other 2 bureaus?\u00a0 Well, it was social security numbers, dates of birth, drivers license numbers, among other personal identifying items that was stolen.\u00a0 So that means identity thieves can use this information to open accounts about anywhere.\u00a0 To check all 3 credit bureaus for free once per year, visit <a href=\"https:\/\/www.annualcreditreport.com\/index.action\">www.annualcreditreport.com<\/a>.\u00a0 It is recommended to check credit once per year or more often if you have reason to expect risky activity.<\/p>\n<p>[av_button_big label=&#8217;What to Look for on Your Free Credit Reports&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2015\/03\/01\/credit-report-errors\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]<br \/>\nThere is more to review other than late payments<br \/>\n[\/av_button_big]<\/p>\n<h2>Update Passwords &amp; Pin Numbers<\/h2>\n<p>Besides using good sense when protecting confidential information, it is important to have complicated passwords.\u00a0 But even strong passwords and pin numbers could be broken.\u00a0 Especially after this breach, it would be a good idea to change passwords and pin numbers.\u00a0 No matter what, don&#8217;t use simple ones like\u00a0&#8220;password&#8221; or &#8220;123&#8221;!<\/p>\n<p>[av_button_big label=&#8217;Will Credit Inquiries Hurt My Credit Score or Mortgage Approval?&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2017\/01\/06\/credit-inquiries\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/p>\n<h2>Review Bank &amp; Credit Cards Often<\/h2>\n<p>Alright, you are checking your credit reports once a year.\u00a0 But, it is imperative to be vigilant much more often!\u00a0 These days many have access to online banking, so keep an eye on new charges.\u00a0 If something looks suspicious, investigate it immediately!\u00a0 Call the bank or credit card company to verify the charge is legitimate or not.\u00a0 For those that do not use online banking, review the monthly statements in detail.\u00a0 Either way, look over all charges in detail\u00a0which could save money, credit issues, and frustration.<\/p>\n<h2>Beware of Scams!<img loading=\"lazy\" decoding=\"async\" class=\"wp-image-6630 size-medium alignright\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2017\/09\/hacked-2127635_960_720-300x300.png\" alt=\"equifax hacked\" width=\"300\" height=\"300\" \/><\/h2>\n<p>It makes no sense but bad people take advantage of people in need.\u00a0 What should you expect?\u00a0 There will be phone calls and emails asking for your information to help protect you from this breach.\u00a0 The problem is there are reputable companies and there are phishing companies.\u00a0 Phishing is when someone tries to obtain your information through a fraudulent site that appears to be legitimate.\u00a0 So don&#8217;t click on links in emails unless you absolutely know it isn&#8217;t spam or phishing.\u00a0 Additionally, be wary of websites that you enter confidential data.\u00a0 There will undoubtedly be sites which appear to protect the public from this breach but it is just another crook.<\/p>\n<h2>Review Trusted ID Terms of Service Before Signing Up<\/h2>\n<p>Equifax announced this data breach through a national press release as well as created a website to further educate consumers on the issue.\u00a0 Through this site you will learn of an Equifax owned\u00a0entity called Trusted ID Premier.\u00a0 Equifax is offering this service for free in order for consumers to better protect their credit, assets, and identity.\u00a0 I saw one article that mentioned when consumers sign up for this service, that it could exclude the consumer from a potential class action lawsuit.\u00a0 There is no telling if that is true, so research this before signing up.<\/p>\n<p>[av_button_big label=&#8217;Common Misconceptions About Credit Scoring&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2015\/06\/11\/common-misconceptions-about-and-understanding-credit-scoring-for-mortgages\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]<br \/>\nCredit scoring is a mystery to many and can be surprising<br \/>\n[\/av_button_big]<\/p>\n<h2>Use a Credit Freeze to Protect Yourself<img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-6605\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2017\/09\/credit-cards-e1505052134206.png\" alt=\"Equifax hack\" width=\"162\" height=\"148\" \/><\/h2>\n<p>A great way to prevent others from establishing credit in your name is to freeze your credit.\u00a0 Equifax, Transunion, and Experian offer this service at a very minimal charge.\u00a0 The way it works is that creditors are not able to pull your credit without you lifting the credit freeze.\u00a0 Therefore this reduces the chances of accounts being opened in your name without your knowledge or permission.\u00a0 In order to freeze your credit, contact each of the bureaus as below:<\/p>\n<ul>\n<li>Equifax: 800-349-9960<\/li>\n<li>Experian: 888-397-3742<\/li>\n<li>Transunion: 888-909-8872<\/li>\n<\/ul>\n<p>[av_button_big label=&#8217;How to have perfect, walk on water, qualifies for the best rate, credit!&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2014\/10\/14\/how-to-have-perfect-walk-on-water-qualifies-for-the-best-rate-there-is-credit\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]<br \/>\nTips for that elusive perfect credit score<br \/>\n[\/av_button_big]<\/p>\n<p>We hope that these tips will help prevent credit issues and keep in mind that our team of experienced loan officers are happy to offer credit consultation.\u00a0 Our goal is to help more achieve the dream of homeownership!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The recent Equifax hack has made 143 million people&#8217;s confidential information vulnerable.\u00a0 So you may as well assume you have been hacked.\u00a0 This is basically identity theft on steroids!\u00a0 Credit is a double edged sword.\u00a0 These days, everyone is a number and you need to have a good one.\u00a0 Having credit increases hacking risks, but [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6628,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33,40],"tags":[1052,1053,324,961,1054,1055,1056,1057,1058,1059],"class_list":["post-6598","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frequently-asked-questions","category-tips","tag-credit","tag-credit-report-tips","tag-credit-score","tag-equifax","tag-equifax-credit-report","tag-equifax-data-breach","tag-equifax-dispute","tag-equifax-hack","tag-equifax-login","tag-equifax-phone-number"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Equifax Hack and How to Protect Your Credit Plus Identity<\/title>\n<meta name=\"description\" content=\"Huge Equifax data breach has exposed anyone with credit of a possible 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