Concerned about the Equifax breach? Below are FAQs to help you learn more about the breach and how to protect yourself.
Frequently Asked Questions
I’ve been hearing about the Equifax breach in the news. What happened?
Equifax, one of the three major credit bureaus, experienced a massive data breach. It appears that the hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. Based on the information currently available, it appears that they also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Was my information stolen?
If you have a credit report. there's a chance it was. Go to a special website set up by Equifax to find out:
How can I protect myself?
Enroll in Equifax’s services. Equifax is offering one year of free credit monitoring and other services, whether or not your information was exposed. You can sign up at https://www.equifaxsecurity2017.com/.
Monitor your credit reports. In addition, you can order a free copy of your credit report from all three of the credit reporting agencies at annualcreditreport.com. You are entitled to one free report from each of the credit bureaus once per year.
Monitor your bank accounts. We also encourage you to monitor your financial accounts regularly for fraudulent transactions. Use online and mobile banking to keep a close eye on your accounts.
Watch out for scams related to the breach. Do not trust e-mails that appear to come from Equifax regarding the breach. Attackers are likely to take advantage of the situation and craft sophisticated phishing e-mails.
Should I place a credit freeze on my files? Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, you might want to consider simply placing a fraud alert on your files with the three major credit bureaus. A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.
How do I contact the three major credit bureaus to place a freeze on my files?
Equifax: Call 800-349-9960 or visit its website.
Experian: Call 888-397-3742 or visit its website.
TransUnion: Call 888-909-8872 or visit its website.
Where can I get more information about the Equifax breach?
You can learn more directly from Equifax at https://www.equifaxsecurity2017.com/. You can also learn more by visiting the Federal Trade Commission’s web page on the breach at https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do. To learn more about how to protect yourself after a breach, visit https://www.identitytheft.gov/Info-Lost-or-Stolen.
Information above provided by the American Bankers Association®
Services that we provide that will help you protect your Ridgewood Savings Bank accounts:
Visit your local branch and request to complete a Notification of Suspected Identity Theft form, which allows you to place a password on your deposit account(s) that you have with us. The password provides an additional layer of security on those transactions which occur at the teller window.
Sign up for CardValet©, our mobile app that provides you with real-time alerts letting you know when your card is used, approved, or declined. It also allows you to turn your debit card “off” when you're not using it to help safeguard against fraud. Learn more about CardValet.