Most credit card companies have zero-liability policies, which means you aren't held liable for fraudulent charges you report.
CHARLESTON -West Virginia Attorney General Patrick Morrisey warns the public of a scam in which callers impersonate Equifax employees, calling and seeking more personal information in the wake of last week's massive data breach potentially affecting more than 730,000 West Virginia consumers.
Democratic Attorney General Maura Healey is joining fellow attorneys general from across the country in broadening an investigation into the opioid industry.
The Federal Trade Commission offers an excellent how-to on the issue on its website at https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do.
Another option is for individuals to enroll in a credit monitoring service.
She said she wasn't sure if she dialed the right or wrong number, but says the person on the other end of the phone sounded like an expert.
By applying a credit freeze, you are sacrificing convenience (and some expense) for an increased level of security. The information that was stolen primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver's license numbers. There may be a fee with companies other than Equifax; however, General Hood has asked that Equifax reimburse consumers for these fees, which range from $5 to $10.
To truly "freeze" your credit on TransUnion-at least online-you must click on "Credit Report Assistance" on the homepage menu, then click "credit freeze".
If you've checked your accounts or reports and are still concerned, the BBB suggests you freeze your credit reports for a while until this breach gets resolved. Keep the PIN or password in a safe place. Don't give out personal information to those who contact you unexpectedly (even if they say they want to help you) and be wary about clicking on links or downloading attachments in messages.
Parents and grandparents should place a freeze on their children and grandchildren's credit reports as well.
Equifax does not now email or mail the individual 10-digit PIN to consumers. It has been determined that this is caused by users' browser settings.
Equifax representatives will not call you out of the blue. The company spokesperson said Equifax is "working diligently with our bank partners to assess and mitigate any impact to their operations". Equifax is also planning to refund consumers who paid by check or money order, but the company is still finalizing the details of executing those refunds. "They actually got your name, address, social security number, possibly even your driver's license number, they have the ability to perhaps even take over your current accounts, so it's going to be vital that you're actually reading your current statements on the accounts you already have, not just being anxious about whether they're going to open up new accounts in your name".