There is no magic cure for the Equifax data breach hangover that 145 million of us (actually all of us) are all feeling, but there are a few things people can do to potentially alleviate some of the symptoms. If you have not yet done so, here are a few steps you can take:
- Check your credit report for free: https://www.annualcreditreport.com.
- Pay close attention to your monthly credit card statements.
- Check your credit card activity every one or two weeks.
- File a dispute promptly, with the credit agencies, if necessary: https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports.
- Check the Equifax website: https://www.equifaxsecurity2017.com/what-can-i-do/.
- Enroll in the Equifax free credit monitoring program (if you can trust them – which is difficult to do since they caused your hangover): https://trustedidpremier.com/eligibility/eligibility.html.
- Enroll in a credit monitoring, and identify protection program with TransUnion or Experian (costs vary for this).
- Freeze your credit with the big 3 bureaus: TransUnion, Experian, Equifax.
- Consider cyber liability insurance for additional protection.
- Stay vigilant and immediately jump on anything out of the ordinary. Time is not on your side if cyber thieves are on the attack.
Hopefully you won’t be targeted for cyber theft, but in case you are, the steps above may help prevent it, or at least mitigate the damage. Contact Lanier Upshaw for more information on cyber liability.