On Your Side: Equifax Data Breach & What You Need To Do

More than 143 million people may have been compromised in the Equifax data breach discovered in July of this year.

However, the millions of Americans effected by this breach didn't lean about the intrusion until last week.

To check and confirm if you have been affected click here

Now millions are scrambling to protect themselves.

So what are your options?

First, Equifax is waiving all fees it normally requires to free your credit file.  Freezing your credit file is the most effective way to keep scammers from using your identity. 

By putting a freeze on your file, no once can take out a loan, a credit card, or use your identity unless they have a special pin number.  The pin is only given to you and you must keep it handy for as long as you have the freeze. 

The New York Times wrote an article on Equifax's decision to waive the fees for freezing your credit and you can read that here.

If you would like to freeze your credit file, you will need to do it at each credit reporting agency, online.

You can find the links here:

Equifax

Experian

TransUnion 

Now if you are opposed to a freeze, you can set up credit monitoring.  Equifax is offering that to victims, however credit monitoring doesn't prevent thieves from using your personal information, it simply notifies you when they do. 

For more information on protections you can take, click here. 

Dozens of class action law suits are also being filed against Equifax for their role in the data breach and for taking more than a month to reveal the problem to consumers. Class action suits are free to join.  If a settlement is reached, legal fees are paid first and then any leftover money is divided among participants.

Several lawyers are also representing individuals against  Equifax, suing for personal damages. If you feel an attack on your credit may have happened because of the data breach you can contact a lawyer to get their thoughts.  However, it may be hard to prove an attack on your credit or your identity being stolen was directly linked to that breach.  

Nevada Attorney General Adam Laxalt is also launching an investigation into the Equifax breach on behalf of all Nevadans.  

Senators Dean Heller & Catherine Cortez Masto also took action today demanding an investigation to Equifax by the Department of Justice, the Securities & Exchange Commission and the FTC.

Finally, many local businesses are also asking how they can better protect their clientele from data breaches like this one. You can learn about more steps to take here if you own a business in Southern Nevada.

For more information on the lawsuits being filed in Clark County, contact the firms listed below. 

 
HAINES & KRIEGER, LLC
8985 S. Eastern Ave., Suite 350
Henderson, NV 89123
Phone: (702) 880-5554
 
 
KNEPPER & CLARK LLC
10040 W. Cheyenne Ave., 170-109
Las Vegas, NV 89129
Phone: (702) 825-6060
 
PAYNE LAW FIRM LLC
9550 S. Eastern Ave. Suite 253-A213
Las Vegas, NV 89123
702-952-2733
 

 

 


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