Equifax Breach

General Information About the Equifax Data Breach

  • This was not a beach of Russell Country FCU’s member data
  • Equifax may have your information because many credit issuers report their credit history to Equifax
  • The incident was limited to Equifax and was not in any way related to CO-OP Financial Services (debit card processor), Russell Country FCU, other credit unions or any direct merchants
  • Personal data, including birth dates, credit card numbers, Social Security numbers and more, were obtained in the breach
  • This increases identity theft opportunities related to the 143 million personal data records that may be attached to other acquired records and leveraged for account takeovers

 

What will or does Russell Country FCU do?

  • We utilize multiple factor authentication for our online banking
  • We have several  firewalls that protect your information with Russell Country FCU and they are tested on a regular basis
  • Our staff is educated about Social Engineering and how this type of data can be used
  • We ask verifying questions and require ID to process transactions
  • We pay close attention to Credit Bureau reports and other reports that we pull for account and credit applications
  • We look for discrepancies and alerts
  • Red flags, such as different addresses, changes in names, mismatched information, etc. are monitored closely
  • We have posted information on our Website as a guide to assist our members in what to do

 

What can you do as a member?

  • Go to http://www.equifaxsecurity2017.com and click on the “Potential Impact” tab  to determine if you are one of the 143 million people whose data may have been impacted by this breach
  • Set fraud alerts with all three major Credit Bureaus (Experian, Equifax, Transunion)
  • Monitor your credit activity by using www.annualcreditreport.com
  • Reset account passwords, PIN codes and other log-in credentials for financial accounts
  • Establish alerts for any account you have to notify you of certain activity
  • Establish multi-factor authentication protocols for financial accounts and email when possible, many sites allow you to set up multi-factor authentication
    • An example is receiving a text message when using a non-registered computer (A non-registered computer is a computer that you have not approved)
  • Establish credit monitoring service through Equifax or through other service providers − These can be researched online
    • An example would be to utilize Russell Country FCU’s ID Protect service
      • Contact Russell County FCU for your IDProtect Access Code
      • Go to http://www.idprotectme247.com and follow the simple step-by-step instructions to register and activate benefits
      • Call 1-877-610-7889 for questions related to any of the benefits and services, or for assistance with registration and activation.
  • Equifax will NOT call or contact any member and ask for personal information. Should you get a call of this nature, please hang up immediately and DO NOT give out any personal information!