Data Breaches happen, it’s almost a fact of life. No matter how well protected some servers are, there always seems to be some exploit that was attacked at the weakest link. The important thing is to turn up your guard when this happens and protect yourself with the recommended ID Theft protection measures. You can get this free from Equifax since after all, they were responsible for failing to adequately protecting your information. I have to say, it’s probably not enough in terms of the potential hassle this has exposed everyone to.
How’s it going everybody this is pete the bush today i’m gonna talk about the equifax data breach now equifax is one of the three credit bureaus and because of the credit bureau you assume that they’re going to take very good care of your social security number and your credit files but apparently if you have a server out there somewhere even if it’s a bank with
Enough time and enough determination from hackers they are going and get in no matter what kind of security measures they do it always seems like it’s just a matter of time before some genius hacker they would get in in some way or another now how do you protect yourself against something like this you basically can’t because they hold your information maybe today
It’s one of the credit bureaus another day it’s gonna be a different one or maybe even the irs could get hacked and steal your information from you the information that they hold of course is the stuff in your credit report your date of birth your social security number your address etc now an attacker that has your information could potentially take this and
Open up a brand new loan open up a brand new account in your name they could potentially take your information and file a false tax return and potentially add in more dependents even though you don’t have all that many just kind of give you more kids so that they would actually get a higher tax return now you may see all kinds of links on how to check your social
Security number with your last name to check to see if you’re potentially affected to me i’m very wary of clicking any link that asked me my social security number or the last name even if it’s the last six digit of my social security number now if you go on the equifax website they’re gonna direct you to a brand new website now because i go to the equifax com
Website i trust whatever link that it’s telling me to go to rather than directly going to this link that’s called equifax security 2017 dot-com now in it itself someone could try to fish your information they could create a new domain called equifax security breach com instead and if you go to this you might just be led to believe that oh yeah this is a legitimate
Thing that equifax is asking me to do and maybe we’ll ask you for all the digits of your social security number as well as your last name so this is a type of phishing scheme therefore my recommendation for this is go to equifax comm directly and then click on that link that shows on their website and then you can proceed from there just to be sure that you’re not
Clicking on some random link that someone tells you to go to now with your social security number and your credit report all thrown out there and just people might be able to read it in plain black and white words this is probably a really good time to check your credit report from all three credit bureaus now there’s only one place that you should really do this
If you do this at any other place it’s gonna try to charge you money it’s gonna try to ask you you know you got to pay $50 $100 to get the actual credit score the correct and free place where you can get your free annual credit report it’s called annual credit report.com where you can request your credit report from all three credit bureaus once every year there
Are dozens and dozens of other websites that claims to give you a free credit report now this is the original one go to this one go don’t go to the other ones after you go to the equifax com website and check if your social security number and your last name has been affected and by the way they only want you to enter in the last six digit of your social security
Number they don’t want you to enter in the full nine digits even though i believe if you enter in six digits it’s pretty easy to try and figure out what the first three digits are anyway now if you are affected equifax is providing a thing called trusted id premier which is basically five different things that allows them to monitor your credit reports to see if
Anything fishy is going on the first thing is there will provide you with an equal facts credit report now you can take this and just kind of comb through it i recommend to do this once every year anyway to see if there is any accounts that you do not recognize if there is something then it means you have some work ahead of you you have to go and track it down and
Say you know this account is not yours and by the way i found some account on my credit report that was not mine before and luckily for me it was relatively easy to get that removed from my credit report because i’m like this is not me i never use this address before even the name is a little bit different so they readily removed it but you may not have such an
Easy time with this especially if they use your correct name your correct social security number and then somehow they opened it in some different state or something like that they might not give you an e as easy a time of removing it from your credit report the second thing that the trusted premier credit monitoring service does is it looks at all three credit
Bureaus and monitors it for any suspicious activity so that’s very nice the third thing they do is a credit report lock so that the third party’s cannot easily access your credit report information although they still leave some able to still access your credit report the fourth thing is that they monitor suspicious websites they don’t really name which one because
It’s not really good to tell all the crooks which one they’re monitoring of course and they look at the social security numbers that are posted on there most likely whenever a hacker gets this information they most likely do not have the time or the patience to try to use every single one of the number so they end up taking your information and they try to sell
It just like credit cards there are like blackhat websites out there where they sell your credit card information you know i think i hear like a dollar or something or like 10 cents something really cheap they can just buy this stuff off off some you know shady website and then pull it out and then they can do their you know their business of committing crimes and
Things the fifth thing which i find is pretty useful is the 1 million dollar identity theft insurance now in case they go and steal your identity and makes you owe a certain amount most likely you can track it down and you know get it wiped off of your report but apparently maybe you can’t do that for some one reason or another and this insurance would come in very
Handy but i bet you they’re gonna do everything they can to not pay this amount this is just kind of to me it’s like a really really backup backup resource most of time they’re gonna create a situation where they don’t actually have to pay any money they’re just gonna know about whatever loans someone got i hope this video helps you understand what to do with
The a equifax data breach and also calm your nerves a little bit because once you listen to this you might kind of think oh my gosh they’re gonna take my information take out loans they’re gonna steal my money don’t forget to give me a like on this video comment down below let me know what you think of equifax not protecting your information enough and essentially
Giving out all your social security number information basically all of us is compromised i don’t know 150 million social security numbers out there all given away everybody has everything now if you’re interested in supporting this channel don’t forget to check out my audible link down in the video description below where you can get a free audio book and if you
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Transcribed from video
Equifax Data Breach: What Now By BeatTheBush
