QuickNote: Equifax Hack → Resources for Freezing Your Credit

TL;DR

Equifax messed up, big time. Protect yourself via the resources provided in this QuickNote!

Estimated Reading Time: 1 minute

Screenshots of today’s news:

USA Population
USA Population

Equifax hack
Equifax hack

The Basics

USA population: 323.1 million

Adversely impacted by Equifax hack: 143 million

Do the math, deducting for children forming part of the population number. Equifax’s stash includes all the goodies identity thieves adore: Social Security number, birthdate… ya know, all the details requested by most creditors.

We have a right to freeze credit accounts. Some states, like North Carolina, require free freezes. Find your state’s law by googling: (state) credit freeze fee. Or, tap the links provided in The Resources section below, presented to assist your self-protection measures.

The News

  • Statistics: USA Population
  • NYT: Equifax Says Cyberattack May Have Affected 143 Million in the U.S.
  • Beware of Equifax “Free” Credit Monitoring Offer
  • Bloomberg: Three Equifax Managers Sold Stock Before Cyber Hack (Publicly) Revealed (“insider trading,” anyone?)

The Resources

  • Natl Conference of State Legislatures: Consumer Report Security Freeze State Laws → Who can file request
  • Details, including fees, of all 50 states
  • State Attorney General/ NC: Free Freeze (all can be handled online)
  • Clark Howard : Credit Freeze Guide: The best way to protect yourself against identity theft
  • FTC: Credit Freeze FAQs | Consumer Information
  • What to know before you check Equifax Security 2017 data breach website – The Washington Post

Special Note

Friday night closed with Equifax’s claim that certain provisions, within the Terms of Service re its purported hack-help website, do not apply to the hack incident. Understand: virtually every contract includes an adhesion clause. That’s legalese for: nothing said, by anyone, at any time, under any circumstance, overrides the terms of this agreement. We all know how to delete a section from a digital document. Equifax chose not to do so. If you choose to believe this latest Equifax announcement, call me– collect; I got a bridge to sell ya …

Call to Action

Suggestion: Saturday ToDo list, MIT #1! (Most Important Task): Study the docs linked in The Resources

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