Check the status of your accounts (financial and credit history)
Check with Equifax to see if you were affected by the breach:
A. Placing a Security Freeze on Your Credit (Guidelines from Consumers Union):
Deciding Whether to Place a Security Freeze
How to Place a Security Freeze
In order to effectively freeze access to your credit files, you must request a security freeze to be placed at each of the three major credit bureaus. Pricing is determined by state but paid to the respective agency.
By Phone: Call each of the credit bureaus at the number provided below:
Online: On each credit bureau’s website (TransUnion, Equifax and Experian), you can find an online form to place your security freeze.
B. Initial Fraud Alert
To set a fraud alert, contact just ONE of the credit card bureaus and ask for an initial fraud alert. Once the alert is set, it will last 90 days. After that, you'll have to renew it:
C. Purchasing Identity Theft Protection vs. DIY:
While this article is promotional, it gives a very clear rundown of the difference between identity theft protection and credit monitoring. This article goes through many aspects to consider when deciding the next steps of action to take after this Equifax breach.
Cairn is delighted to have Morgaine Trine join our team for the next few months. Morgaine (French in origin and pronounced Morgan) is a native Portlander who recently returned home after living abroad in Canada, Wales, and Turkey. She will be assisting with some large and small projects to help bolster Cairn’s back office operations. Her main souvenir from her time away is the ability to greet you in six different languages. Morgaine is excited to meet you as she settles in for a year with the Cairn Crew.