Equifax Security Breach

Members: as you may already be aware Equifax announced a security breach in early September and we want to provide you with as much information as we have to keep you aware and keep your credit as safe as possible. Please see the information we’ve gathered below. As always, stay diligent, we hope you find this information useful and remember we’re here for you.

Equifax is one of three nationwide credit-reporting companies that track and rate the financial history of U.S. consumers. Credit-reporting companies are supplied with data about loans, loan payments and credit cards, as well as information on everything from child support payments, credit limits, missed rent and utilities payments, addresses and employer history, which all factor into credit scores. A cyber security breach occurred within Equifax between mid-May and July. The breach compromised the personal information of as many as 143 million Americans. Cyber criminals have accessed sensitive information — including names, social security numbers, birth dates, addresses, and the numbers of some driver’s licenses. At this time, Equifax hasn’t found evidence of unauthorized activity on its consumer or commercial credit-reporting databases. Please note, this breach was not a result of accessing USI Federal Credit Union systems and was solely through Equifax. All USI Federal Credit Union information and systems are safe and secure.

It is recommended that you monitor your credit by checking your credit reports annually. You’re entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity.

Equifax has established a dedicated website, www.equifaxsecurity2017.com, to help consumers determine if their information has been potentially impacted and to sign up for credit file monitoring and identity theft protection. The offering, called TrustedID Premier, includes 3-Bureau credit monitoring of Equifax, Experian and TransUnion credit reports; copies of Equifax credit reports; the ability to lock and unlock Equifax credit reports; identity theft insurance; and Internet scanning for Social Security numbers – all complimentary to U.S. consumers for one year. The website also provides additional information on steps consumers can take to protect their personal information. Equifax recommends that consumers with additional questions visit http://www.equifaxsecurity2017.com or contact a dedicated call center representative at 866-447-7559, which the company has set up to assist consumers. The call center is open every day (including weekends) from 7:00 a.m. – 1:00 a.m. Eastern Time.

NOTE: This is for information purposes only. Those who sign up for the service(s) offered by Equifax are invited to do so on their own accord. USI Federal Credit Union does not suggest or condone the informational or risk mitigation services that Equifax has set up or is offering on the site or through their call center.

How to freeze your credit with all three agencies

TransUnion

Online: Visit the TrasnUnion Credit Freeze page here
By phone: 1-888-909-8872
By mail: Request your credit freeze by certified mail using the sample letter below. Please note the attachments you must include.
Use the following address:

TransUnion LLC
P.O. Box 2000
Chester, PA 19016
Equifax

Online: Visit this page to freeze your credit with Equifax. Important note: With such high traffic to the website, if you can’t get your request processed, just wait about a week and try again.
By phone: 1-800-685-1111 (NY residents please call 1-800-349-9960)
By mail: Request your credit freeze by certified mail using the sample letter below. Please note the attachments you must include.
Use the following address:

Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
Experian

Online: Visit the Experian Credit Freeze page here
By phone: 1-888-EXPERIAN (1-888-397-3742). When calling, press 2 and then follow prompts for security freeze.
By mail: Request your credit freeze by certified mail using the sample letter below. Please note the attachments you must include.
Use the following address:

Experian Security Freeze
P.O. Box 9554
Allen, TX 75013

Sample Credit Freeze Letter:

I would like to place a security freeze on my credit report.

_________ _________ __________________ ________

First name Middle Last name Suffix (Jr.III)

Previous name or maiden name (if applicable):

_____________________________________________________________

Current address: (include zip code)

_____________________________________________________________

_____________________________________________________________

Former address (for those who have moved in last 5 years):

1)________________________________________________________________________________________

2)________________________________________________________________________________________

Date of Birth_____________________________(xx-xx-xxxx)

SS#____________________________________

Drivers’ License State and Number_________________________________________

One piece of ID is included which verifies my address:

(copy of driver’s license, government issued ID, water bill, electric bill)

Method of payment*

Personal check enclosed___________ Money Order enclosed_________

Credit card #______________________Type of card: (Visa, Mastercard, Discover)

Name on card_____________________________________________________

Expiration date_____________________

Card ID (three-digit security number on back of card)_________

*IF CLAIMING ID THEFT AND FREE FREEZE, INCLUDE INFORMATION

INCLUDING ID THEFT AFFIDAVIT, POLICE REPORT, DMV REPORT)

MY SIGNATURE:

________________________________________Today’s date__________