CapEd Credit Union is aware of the Equifax data breach and the concerns generated. Please be assured that this breach was not within CapEd but rather Equifax’s systems, however, this breach could affect CapEd members due to the fact that we report member credit information to Equifax on a regular basis. Because of this potential member impact, we are encouraging CapEd members follow the following important steps.
Important steps to protect yourself from the Equifax Data Breach and Identity Theft
- Visit www.equifaxsecurity2017.com and check to see if your personal information has been compromised by clicking on “Potential Impact” at the top of the page.
- Obtain and review your Credit Report. Activity you don’t recognize could indicate identity theft. It is recommended that you review your Credit Report annually. Visit www.annualcreditreport.com to receive your free report.
- Consider taking steps to “Freeze” your credit with a “Security Freeze”. You can do this by contacting each of the credit bureaus – Experian.com, Equifax.com, Transunion.com, and Innovis.com. A Security Freeze makes it harder for someone to open a new account in your name. Keep in mind that a freeze will not prevent a thief from making charges to your existing accounts.
- If you decide against a credit freeze, consider placing a fraud alert on your files. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name is really you.
- Monitor your existing credit card and bank accounts closely for charges you don’t recognize. If you see unrecognized activity on your CapEd accounts, please contact CapEd Credit Union at 800-223-7283.
- Consider implementing regular password changes with highly unique characters and phrases.
Please be assured CapEd Credit Union is ever-vigilant in securing Credit Union data. CapEd offers an identity theft protection product, Fraud-Defender, to monitor your credit report.
For additional information and resources on identity protection and responding to identity theft, visit the Federal Trade Commission – Equifax Data Breach: What to Do.