Bay Realty Blog: Debra Leisek ( Bay Realty,Inc Homer Alaska)

The Equifax Security Breach: Assume the Worst

Here is some good advice from Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi  regarding the huge hack discovered which reaches 1 out of every 2 Americans. Not Good! Be proactive! Read this and take ation!

The Equifax Security Breach: 
Assume the Worst


Typically, making assumptions is not good.  In the case of the Equifax security breach discovered on July 29, 2017?  Just the opposite is true. 

Yep, you read that right ...

 

ASSUME the worst and proactively take measures to protect yourself, your finances, and your credit history/credit scores.  Don't wait for confirmation yea or nay.  

 

With this recent breach of security at Equifax being so large (an estimated 143 million people are affected), chances are good that you will be receiving notification soon, as that number represents a whopping 50+% of the population.

 



The information/data stolen during this breach include:

  • Birth Dates
  • Social Security Numbers
  • Addresses
  • Driver's Licenses (on a small number of consumers)
  • Personal Identification Info (on approximately 182,000 consumers pursuing credit report disputes)
  • Credit Card Numbers (on approximately 209,000 people)


Note:  Equifax will be direct mailing an alert to only those consumers that:

  • Had their credit card numbers stolen
  • Were involved in credit disputes at the time of the breach

So again, act proactively in protecting yourself.  Do not wait for confirmation in any form from Equifax.

 
Presently, Equifax is suggesting that you visit their website to see if you've been affected by this breach ... and to sign-up for their credit monitoring service.  But as of this writing, the advantages of signing-up are unclear or small, at best.
 
The Equifax credit monitoring service does not become available until next week on Monday (9/11).  And there is conflicting advice as to the use of this service.  So make sure you thoroughly educate yourself to the pros and cons of the Equifax credit monitoring service ... or any other service (or action) you might take regarding this matter.  
 
Fraud Alerts and "Freezing" your credit are two such options.  (Definition of Credit Monitoring) Do your homework regarding each prior to taking action of any kind. 
 
What can you do on your own immediately to protect yourself?
 
  • Pull your Credit at:  www.AnnualCreditReport.com.  Make this routine!
  • Review/monitor your Credit Card Account Statements often and consistently
  • Review/monitor your Bank Account Statements often and consistently
  • You can also request your FREE copy of your Credit Report from each of the 3 main Credit Bureaus:  TransUnion, Experian, Equifax.  Continue to do this on a routine/timely basis.
  • When filing Taxes:    File early before any scammer in possession of your Social Security Number does it
  • Respond immediately to letters/communications received from the IRS
  • Respond immediately to letters'communications received from banks, credit card companies, etc. 
 
I can't stress the importance of taking these actions strongly enough.  Act proactively to protect yourself regarding any personal information or data of yours that may have been stolen in this breach.
 
Make it part of your routine to monitor all your accounts on a timely, consistent basis.  Pull your free credit report as they become available to you.  Seek ... ask questions.
 
If you think you have suffered fraud:  Take action quickly.  Report it.  Don't assume anyone besides yourself will take responsibility for, address, or correct the issues that arise from this breach.  
 
The more quickly you act, the more quickly the problem is remedied ... 
 
*  Hoping to Buy or Refinance a home in the Chicagoland Area?  Contact Me!  I'll put my 40 years of mortgage experience and expertise hard to work on your behalf. 
I'm easily found at:
 
Gene Mundt
Mortgage Originator - NMLS #216987 - IL Lic. #031.0006220 - WI License 216987
 
American Portfolio Mortgage Corp.
NMLS #175656
 
 
Direct: 815.524.2280
Cell or Text: 708.921.6331
eFax: 815.524.2281
 
 

  

 Twitter Account of Gene Mundt, Mortgage Lender   LinkedIn Account of Gene Mundt, Mortgage Lender   Facebook Acct. of Gene Mundt, Mortgage Lender   Pinterest Acct. of Gene Mundt, Mortgage Lender   

   Gene's Chicagoland Blog/Gene Mundt, Mortgage Lender  

    

 

Gene Mundt

 Mortgage Originator  -  NMLS #216987    

                                   IL Lic. #0006220  -  WI License                                                                                                     

NMLS #175656

 

Gene Mundt, Mortgage Originator,  40+ years of #mortgage experience, will offer you exemplary mortgage service and advice when seeking:  #Conventional, #FHA, #VA, #Jumbo, #USDA, and Portfolio Loans in #Chicago and the greater Chicagoland region, including:  The #Lincoln-Way Area, #Will County, (#New Lenox, #Frankfort, #Mokena, #Manhattan, #Joliet, #Shorewood, #Crest Hill, #Plainfield, #Bolingbrook, #Romeoville, #Naperville, #Wilmington, #Peotone, etc.), #DuPage County, the City of Chicago, #Cook County, and elsewhere within IL and Wisconsin. 

 

Your Referrals & Testimonials are Always Greatly Appreciated! 

 

Email Me .. to be added to my Mortgage & Real Estate Newsletter

    Bay Realty

When You Need Results Bay Realty Works!

     Invest in Your Future Now... Call 907-235-6183

   Search our website at www.BayRealtyAlaska.com   

     Email us at Debra@BayRealtyAlaska.com

        Or Debral@ptialaska.net

Comment balloon 14 commentsDebra Leisek • September 09 2017 03:41AM
The Equifax Security Breach: Assume the Worst
share
Here is some good advice from Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi regarding the huge hack discovered which reaches 1 out of every 2 Americans. Not Good! Be proactive! Read this and take ation! The Equifax… more
Happy Labor Day! Relax and Check out Bay Realty Listings Here!
share
Check out our Listings on the Front Page of the Homer News Real Estate Section! Looking for Homes, Multi family, Land or a Business? Call 907-235-6183 for more Information! We are Open Saturday but Closed for Labor Day except by Appointment! Have a… more
Looking For Property this Weekend? Bay Realty Homer Alaska
share
Happy Labor Day Weekend! Check out this Weeks Ad in the Homer News! Call us for more information 907-235-6183 or go to our Web Site at WWW. BayRealtyAlaska. com or our Facebook Page @BayRealtyAlaska We Will be Open Saturday and Closed Monday Bay… more
Preparing your house for sale-How to make it easy!
share
Very Good advice from Professional Stager Kathy Streib This is the best thing you can do to sell your home and make the move to your next home! Preparing your house for sale-How to make it easy! It’s stressful selling your house! Agents,… more
Buying Real Estate in Homer Alaska? Start Looking Here
share
Check out this Weeks Ad in the Homer News! Call us for more information 907-235-6183 or go to our Web Site at WWW. BayRealtyAlaska. com or our Facebook Page @BayRealtyAlaska Bay Realty Offers You the Factual Knowledge You Need to Sell, Rent or Buy… more
Wow Look at Anchor Point Alaska! Market is GOOD!
share
Wow Look at Anchor Point Alaska! Market is GOOD! In the Anchor Point market area in the last 12 months (MLS areas 480, 482, 484): 29 closed MLS single-family sales at $100, 000+ (+7 sales from previous 12 months Median sale price: $199, 900 (+16%… more
Beautiful Homer Alaska! Market Is Beautiful Too!
share
Its all Beautiful in Homer Alaska! Even the Market is Beautiful! In the Homer market area in the past 12 months (MLS areas 488, 490, 492): 106 closed MLS SFR sales at or above $100, 000 (same as previous 12 months) Median sale price: $265, 000 (… more
Featured Listings Homer News Bay Realty Alaska
share
Check out our Featured Listings on the Front Page Homer News www. BayRealtyAlaska. com Bay Realty is your One Stop Home and Land Shop in Homer Alaska. Since 1974, Bay Realty has been working continually listing and selling Homes, lots and acreage,… more
Bay Realty Homer Alaska Homer News Ad
share
Check out our Listings in the Homer News! August 17th, 2017 Bay Realty offers you the best experience possible when it comes to buying or selling land, homes or business on the Kenai Peninsula…. because we have the most Experience ….. Bay Realty is… more
30620 Sterling HWY, 99556 Anchor Point Alaska Opportunity
share
Anchor Point Alaska Opportunity Are you looking for Shop and Yard Space Outside Homer City Limits? Look no further here it is! Large 4224 SQ FT Service Garage shop w/ Office, Restrooms and Retail Space, Another 1024 SQ FT Shop w/ Overhead Storage,… more