Data Breach: Things to Do After Your Information May Have Been Stolen
If you have concerns about the Equifax data breach, please contact Equifax at 866-447-7559.
- Visit Equifax’s data breach response site, which contains up-to-date information about this data breach.
- Visit the FTC’s page on the Equifax breach to learn about what happened and what to do.
This is an Equifax incident and is unrelated to Pittsford Federal Credit Union.
What You Can Do
Not everyone will be a victim of identity theft as a result of a breach, but keeping informed can help you mitigate risk when dealing with any data breach. When a breach does occur, you can take action by doing a few things.
- Stay alert: If you have been part of a data breach, the breached company may send you a notice. Retain all documents and consider any suggestions they may have. Also, pay attention to and retain any mail you receive that is unfamiliar to you, such as notices from the IRS regarding your taxes or any bills from unknown lenders.
- Initiate a fraud alert: You can set a fraud alert. When you request a fraud alert be added with any of the three major credit bureaus (Equifax, TransUnion, or Experian), the bureau you contacted will notify the other two and alerts will be added with those bureaus as well. A fraud alert (also known as an initial security alert) will warn lenders that you may have been a fraud victim. This extra precaution will notify the potential lender that they should contact you before granting any new line of credit in your name. This fraud alert will stay on your credit report for 90 days. You can renew the fraud alert when it expires.
- Update your login credentials: If your username and password were compromised in the breach, be sure to change your password for the affected site and on any other site that might share the same password. (It's recommended to select a unique password for every site you use.)
- Monitor your financial accounts: Visit your online financial accounts, and set up any alert features they may have, if you have not already done so. This could help save some time and keep you notified of any unusual events when they occur. (To enable eAlerts, simply log into your Pittsford FCU internet banking account and select eAlerts from the main menu.)
- Monitor your credit: Checking your credit report can help you identify any unusual activity, such as new accounts, new personal information or inquiries. You can access your credit report by contacting the three major credit bureaus.
- Place a freeze or lock your credit file: A security freeze will prevent potential lenders from accessing your credit report. Your credit report will only be accessible by unfreezing the account. If you are planning on applying for new credit in the near future, you could consider postponing the security freeze. Fees and requirements for adding and removing a freeze vary by state.
- Sign up for email/text alerts: with live card activity through the financial institution and through the card issuer’s website. (VISA, MasterCard, or Discover)
- Stay informed: Visit the FTC’s identity theft website to learn what steps to take in response to proven identity theft.