As you may know one of the top credit companies, Equifax, had a large breach of secure information from May 2017 through July 2017. As a realtor, it is my duty to encourage you to protect your credit. You work hard for your good credit score, don’t let the mistakes of others negatively effect it. What to do? See the below tips and websites for help:
1. Check on Equifax’s website to see if your credit was effected. Go to www.equifaxsecurity2017.com and click on the “potential impact” tab. You will need to fill out some personal information and they can tell if they believe you where effected.
2. Monitor your current bank accounts and credit cards for any fishy charges.
3. Consider enrolling in a credit monitoring service.
4. Freeze your credit. If your credit is frozen it will make it more difficult for a thief to open an account in your name but does not prevent them from making charges to a current account.
All of this information and more can be found in this article from the Federal Trade Commission: https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do
Recent reports are saying this may not be an isolated incident. I strongly encourage you to start monitoring your credit closely now.