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The Equifax data breach: What are my options?

Recently, Equifax announced a cybersecurity incident potentially affecting approximately 143 million U.S. consumers due to the exploitation of a website application vulnerability from mid-May through July 2017. During this breach the hackers gained access to certain files, which contained some or all of the following personal information:

  • Names
  • Social Security numbers
  • Birth dates
  • Addresses
  • Driver’s license numbers
  • Credit card information

At this time, Equifax has reported no evidence of unauthorized use of consumer data linked directly to this data breach incident.

What does this mean for you?
While currently there is no evidence of unauthorized use of consumer data linked directly to this data breach, Equifax is offering a complimentary TrustedID Premier Product to all consumers for one year. Complimentary services include: Equifax Credit Report, 3 Bureau Credit Monitoring, Equifax Credit Report Lock, Social Security Number Monitoring and Identity Theft Insurance.

The deadline to enroll in the complimentary product is Nov. 21, 2017. Your one-year subscription will begin as of the date you enroll for services. A credit card is not required and the service will not automatically renew next year. For additional information, you can visit https://www.equifaxsecurity2017.com.

To determine if you were one of the 143 million consumers affected by this data breach, please visit https://www.equifaxsecurity2017.com/am-i-impacted/. You will be prompted to enter your last name and the last six digits of your social security number.

You are in a strong position!
As a member of HealthNet Federal Credit Union, you have the option to purchase Identity Theft Fully Managed Recovery. This service will combat the devastating impact of identity theft. With fully managed recovery, you have access to a trained and certified recovery advocate who can work hand-in-hand to identify and resolve identity theft, even if it’s not related to your HealthNet accounts.

What can a recovery advocate do for you?

  • Identity Theft Threat Assessment, including a review of Experian, Equifax, and TransUnion Credit Reports
  • Fraud Alerts placed with all three credit bureaus and federal and local law enforcement
  • Disputes filed with all banks, governments agencies, creditors, etc.
  • Progress reports throughout Identity Restoration
  • Confirmation of your identity’s return to pre-theft status
  • Follow up for an additional 12 months

This service is available at the low cost of $1.25 per month and covers all named account holders, spouse, children younger than 25 with the same permanent address, IRS-qualified dependents, and parents of named account holders with the same permanent address or living in an elder care facility.

To add Identity Theft Fully Managed Recovery to your HealthNet membership, fax a completed copy of our ID Theft form to 901-226-1122.

Why should I purchase ID Theft Fully Managed Recovery from HealthNet when I can enroll in the Equifax TrustedID Premier for free?

Whether you were affected by the data breach or not, you are eligible for the complimentary services offered by Equifax. The services provided by Equifax do not include Fully Managed Recovery. If you choose not to purchase the Fully Managed Recovery from HealthNet and you are a victim of identity theft, you will have to complete all the disputes, police reports, letter writing, and credit blocks on your own. While we hope you never have to use the product, we understand what a headache it can be if you are a victim of identity theft. Fully Managed Recovery will reduce the amount of time you will spend trying to restore your identity.

For more financial tips, visit your local credit union. HealthNet Federal Credit Union has proudly served Baptist Memorial Health Care employees and the health care community throughout the Mid-South for more than 60 years.

For information about the credit union, please call 901-226-1111 or visit www.healthnetfcu.org.

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