Equifax: What We Know About the Breach

 

On September 7, 2017, Equifax announced that 143 million Americans had information on their personal credit file exposed in what is being called one of the biggest data breaches ever.  This breach includes not only the exposure of individuals’ credit card data but also the exposure of what Equifax calls “personal identifying information.” 

And while Bank of Travelers Rest is vigilant in protecting our customers’ personal information, our security measures do not extend to the agencies.  The bureaus maintain their own security through measures in place at each bureau. 

Bank of Travelers Rest has not been notified of any customer accounts that have been potentially exposed.  If you have specific concerns about the Equifax Breach, you may reach Equifax by clicking here or by calling 866-447-7559.  Otherwise, we researched some ideas on how to protect yourself in the wake of this latest data breach:

First, visit the Equifax website. Equifax is offering consumers the ability to investigate if their information was potentially exposed.  Visit www.equifaxsecurity2017.com and click on the “Check Potential Impact” tab.  There, you may enter your last name as well as the last six digits of your social security number.  Following this step, a message will be returned indicating whether you have been affected.

Sign up for a credit file monitoring service.  Equifax is offering all customers, whether affected by the breach or not, the opportunity to sign up for one year of credit file monitoring and identity theft protection.  Equifax’s TrustedID Premier business is offering this service free for one year.  Other identity theft protection and credit file monitoring services are offered through products in the market.  To learn more about Bank of Travelers Rest’s IDProtect® service, click here.

 Remember that aside from Equifax, there are two additional credit reporting agencies.  All three agencies provide the ability for consumers to freeze their own credit reports to prevent would-be identity thieves from accessing their credit files.  This credit freeze is placed by the consumer and must be initiated through each bureau.  The easiest way to place the freeze is by using the agencies’ websites or calling their toll-free numbers (we have provided the 800 numbers and websites below).  Consumers set up passwords that allow them to temporarily or permanently remove the freeze when they are applying for additional credit.  To initiate the security freeze process:

  • Equifax Security Freeze, click here or call 1-800-685-1111.
  • Experian Security Freeze, click here or call 1-888-397-3742.
  • TransUnion Freeze, click here or call 1-888-909-8872.

Review your accounts, specifically your credit card accounts, to identify any suspicious transactions.  Credit Card companies typically provide automated systems and online account management tools that give customers convenient access to monitor their transactions.  For Bank of Travelers Rest customers, logging in to their credit card online account or by calling the toll-free number, (855) 891-6691.


Proactively monitor your own credit report.  The FACT Act of 2003 gives consumers the right to obtain one free credit report annually from each of the three reporting agencies. One idea for maximizing your access to your annual free credit reports is to use this service as a simple (and free) credit monitoring service. In other words, order one report now, order another report in 4 months, etc. For example: 

  • Oct 1 – Order Experian report
  • Feb 1 – Order Equifax report
  • June 1 – Order TransUnion report

This way you will be able to see changes to your credit record over time.

For any questions about your Bank of Travelers Rest accounts, or to review transactions specifically, please contact our Customer Support Center at 864-834-9031 or 888-557-2265.