I just found out that my personal Equifax file was exposed in the data breach. Since the reports are that 143 million credit files were breached last week, I guess I am not surprised. Now, Equifax wants to give those affected a free ID theft membership for a year! What a joke... the people that allowed my information to be exposed are now going to protect me? There is not a chance that I am going to fall for that. What makes matters worse, is that some reports are saying that by joining the free credit monitoring you may be waiving your legal rights to sue for damages.
How To Find Out If Your Credit File Was Exposed
Go to this page and click on 'begin enrollment' (but don't click on 'continue enrollment' or you will end up joining their ID Theft membership). The first screen (below) will ask for your last name and last six digits of your Social Security number.
If your credit file and personal information was breached, you will see this message below (since I am a victim of this myself, this is what came up for me). If your information was stolen in the data breach, it is likely already up for sale on the dark web to the highest bidder.
Make your own decision, but I am not going to give them any more information to join their ID theft program (even if it is free for a year). It is truly the most absurd thing I have ever heard of to offer such a service when your own company has just exposed 143 million credit files.
The truth is, however, that there have been so many data breaches in recent years, even if you were not a victim of the Equifax data breach, your information may have been exposed in another incident. It seems like we are hearing about these breaches happening almost every day now.
If someone begins to use your Social Security number, drivers license number, or makes charges with your credit cards, etc... you will be facing a lifelong series of issues. This is why it is so important to get protection in place BEFORE you become a victim.
There is one ID theft service that I personally recommend, please email me and I will be happy to share that information with you. Everyone needs to have a solid ID theft service in place today, it is no longer optional.
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