The first step members should take to find out more is to visit Equifax’s website (equifaxsecurity2017.com). Equifax has a tool that can help consumers determine whether their data has been exposed. Then, consumers should take steps to protect their identity. These include:

  • Don’t respond to emails, texts or telephone calls asking for personal or financial information.
  • Frequently review account activity and immediately report unauthorized transactions.
  • Consider the 1 year of free ID theft protection being offered by Equifax to all Americans or CYBERSCOUT (note: There was initially an arbitration clause inserted in the language for the ID-theft monitoring service that Equifax was offering to all consumers. That language has been removed, and the company claims it does not apply in this case.)
  • Place an initial fraud alert with a credit bureau, which is free and will apply to all the credit bureaus.
  • Consider the benefits and drawbacks of credit freezes, which are more secure and longer-term than fraud alerts, but more restrictive.
  • Always use multi-factor authentication when available.
  • Update PINs and passwords, including email passwords, and follow best practices (i.e.: using long and complex phrases, and never re-using passwords).
  • Enroll and opt-in for transaction monitoring.
  • Use card on/off switches – MobiMoney
  • Enroll in Verified by VISA / MasterCard Secure Code.