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Am I affected? How do I tell if my info has been breached? I…

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Am I affected? How do...
Am I affected? How do I tell if my info has been breached? I am a beginner in use of the internet.
Submitted: 10 months ago.Category: Finance
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Answered in 17 hours by:
10/7/2017
Financial Professional: James Daloisio, Tax Attorney replied 10 months ago
James Daloisio
James Daloisio, Tax Attorney
Category: Finance
Satisfied Customers: 862
Experience: 24 years of continuing education and experience.
Verified

Hi, my name is ***** ***** welcome to Just Answer. Equifax originally reported 100,000 Canadians affected by the data breach, but just last week revised that estimate to 8,000. Equifax will mail a notice to you if you were one of those whose data was breached. You may call them at their toll free number, 1-***-***-****. And you can try their website although it is primarily for U.S. residents: https://www.equifaxsecurity2017.com.

What you want to do is "freeze" your credit accounts if you're really concerned. Your credit report contains information about your payment patterns that creditors and lenders use to make credit decisions about you. When you freeze your credit report, creditors and lenders can’t pull your credit report or credit score - the numeric value given to you credit report - unless you’ve provided the credit bureau a password ***** unlock your credit report. Since most banks require a credit check, an application for credit would likely be denied. You can freeze your credit report at all three major credit bureaus, but it must be done individually. Here is the contact info for the 3 major bureaus:

Equifax - www.equifax.com

P.O. Box 740241

Atlanta, GA###-##-####/p>

1-***-***-****

Experian - www.experian.com

P.O. Box 2104

Allen, TX###-##-####/p>

1-888-EXPERIAN (397-3742)

TransUnion - www.transunion.com

P.O. Box 1000

Chester, PA 19022

1-***-***-****

Here is a link to a page with the "freeze" numbers and addresses for the three bureaus, and sample letters that you can send by certified mail:

http://clark.com/personal-finance-credit/credit-freeze-and-thaw-guide/

Hope this helps. Thanks for using Just Answer

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James Daloisio, Tax Attorney
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