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Concerned about your credit? Equifax Hack Update

Chances are most of our personal information and data has been hacked from Equifax or has become available to hackers. We all need to take some action and or measures now, to minimize the exposure and personal intrusion. Thankfully, there is a lot that can be done to protect ourselves. I for one will be contacting Lifelock, Identity Force or any reputable company (i have not done much research into these companies but these just came to mind).

CNN Money contributor and reporter, Katie Lobosco, wrote the following article last week with the following tips regarding the Equifax fiasco:
5 things to do, if you’re worried about the Equifax hack
The names, Social Security numbers, birth dates, addresses, and driver’s license numbers for 143 million people may have been accessed. That kind of information could be used by someone else to open bank accounts, credit cards and loans in your name.
The credit card numbers of an additional 209,000 people were also accessed. Those people will be notified directly. Everyone else must go to a website created by Equifax and submit their last name and last six digits of their Social Security number to find out if they were affected.

If you’re concerned about whether your information has landed in the hands of hackers, here are five things you can do right now:

1. Check your free credit reports

Under federal law you are allowed to request a free copy of your credit report once a year from each of the three credit reporting agencies: Equifax, Experian, and TransUnion. You can request a copy of your credit report online at www.annualcreditreport.com.

It will tell you if anyone has requested a check on your credit. This happens, for example, if someone tries to open a new credit card or apply for a loan in your name.

But it could take time to show up on your report, so you won’t necessarily see any changes right away.

And the report itself won’t tell you if there’s been money stolen from a bank account or suspicious activity on your credit card, said Liz Loewy, a former Manhattan assistant district attorney who oversaw financial elder abuse and data breach cases for 29 years. She is also the co-founder of EverSafe, a financial technology monitoring platform.

“Sometimes there’s theft that never makes it to the credit report,” she said.

Related: What you need to know about the Equifax data breach

2. Put a fraud alert on your credit

You can put a fraud alert on your credit reports for free by contacting one of the credit agencies, which is required to notify the other two.

This means you’ll be contacted if someone tries to apply for credit in your name.

It will last for 90 days and can be renewed.

3. Keep an eye on bank accounts and credit card statements

Go through all your bank, retirement, and brokerage accounts, as well as your credit card statements to look for any suspicious activity.

“In most cases, theft happens over time. It usually starts small and money is stolen from across your accounts,” Loewy said.

So, get in the habit of carefully checking your statements on a regular basis.

Loewy also suggests having someone else help monitor your accounts. This could be a financial adviser or a family lawyer.

4. Sign up for a credit monitoring or identity theft protection service

Monitoring services usually alert you when a company checks your credit history, a new loan or credit card is opened in your name, a creditor says a payment is late, or if public records show you’ve filed for bankruptcy, according to the FTC.

But keep in mind, most credit monitoring services only track your credit reports. They still won’t alert you to suspicious activity on your credit card or in your bank accounts.

Some monitoring services include identity theft protection, which will alert you when your personal information is being used in ways that doesn’t show up on your credit report. It could monitor things like utility and cable bills, payday loan applications, and social media.

These services won’t prevent fraud from happening. But some do offer identity recovery services to help you regain control of your finances after identity theft occurs. The government offers a free resource for recovering from identity theft at IdentityTheft.gov.

While there is usually a cost involved with a credit monitoring service or identity theft protection, Equifax is offering a free year of credit monitoring through its TrustedID Premier business, regardless of whether you’ve been affected by the hack.

This will track your credit report from Equifax, as well as your reports from the two other reporting agencies, and alert you to certain changes. TrustedID Premier will also provide free copies of those reports and the ability to lock your Equifax credit report so companies cannot see it. It includes identity theft insurance and it will scan the Internet for use of your Social Security number, too.

Related: Did Equifax’s delayed hack disclosure break the law?

5. If you’re really worried, put a freeze on your credit

This is an extreme step and might not be necessary, especially if you don’t know for sure that you’re information was compromised, or what personal information was stolen.

A freeze blocks anyone from accessing your credit reports without your permission. But it can be an inconvenience for you, too. If you want to take out a loan or open a new credit card, you’ll have to contact the reporting agency to temporarily lift the freeze. It’s also not free. Fees to freeze your account vary by state, but commonly range from $5 to $10.

You can also View this on CNN

For Updates on the Equifax Hack (Click Here)

Equifax Breached

Reuters reported that Equifax Inc, the consumer credit score provider, disclosed this morning a hack exposed the personal details of potentially 143 million U.S. consumers.

Equifax said hackers had accessed names, social security numbers, and some driver’s license numbers.

In addition, credit card numbers of around 209,000 U.S. consumers with personal identifying information of around 182,000 U.S. consumers were accessed, per Equifax, Inc.

Equifax, discovered the breach on July 29 and said it had hired a cybersecurity firm to investigate the personal data breach.

It is reported that the Equifax breach could be one of the largest data breaches in the United States.

Reuters further reported that last December, Yahoo, Inc., said more than 1 billion user accounts were compromised in August of 2013 and in 2014 EBay, Inc., had urged 145 million users to change their passwords following a cyber attack.

With all the sensitive personal information, we all share, with various credit card companies and credit reporting agencies, a lot of folks may be at risk, now or in the future. Although consumers and the general public, who have been victimized by such crimes, may have recourse and/or may be able to claim for remedies against companies with inadequate security measures (depending on how and why such access was gained), it is difficult and very costly to pursue such claims.

Careful Evacuation measures before Hurricane Irma

Careful Evacuation measures before Hurricane Irma. Here are a few tips if you’re driving, flying or ….

If you are being evacuated, consider the following:

What to take

Collect and take with you, your family’s medical and property insurance papers, immunization records and medical records, IDs, passport and other important papers, prescriptions and supplies, if needed, and a few of your most cherished belongings. Get CASH. If you’re traveling to a different city, inform your credit card company bank to avoid further headaches.

Driving?

To ease evacuations and keep traffic flowing, tolls may be lifted to prevent grid lock, beginning at 5 p.m. Tuesday.

Those planning to drive north should leave early, fill their gas tanks — before the storm — and expect heavy traffic on the expressways.

Flying out?

Be patient. Finding a flight out of Miami has been a challenge for most last-minute bookers, due to a surge in the number of passengers seeking flights and surge in flight prices. Fares have risen to nearly $2,000 for flights out of Miami to other U.S. destinations. Hopefully some airlines will do what’s right and not gouge.

Travelers should also closely monitor Miami International Airport and Fort Lauderdale International Airport for flight cancelations and reroutes. Reports indicate that Airports will close once sustained winds reach 55 miles per hour. As of Tuesday afternoon, American Airlines had canceled 35 flights to or from Miami.

Find a place to stay

Authorities recommend evacuees stay with family or friends outside of evacuation zones because finding accommodations can be difficult and pricey in such times.

Home sharing platform Airbnb is expected to activate its disaster relief program this week to provide free housing in Airbnb host residences across the state for evacuees. Airbnb.com said it has activated the program for previous natural disasters, including Hurricane Matthew in 2016 and Hurricane Harvey last month in Texas.

As a last resort, go to a shelter, albeit often crowded and uncomfortable; and usually do not allow pets.

 

Photo: Hurricane Irma brought howling winds and pelting rain to San Juan, P.R., on Wednesday. CreditAlvin Baez/Reuters

Raging Brush Fire in Los Angeles

Burbank, CA area brush fire in the Verdugo Mountains burned more than 8,000 acres. This fire has become one of the largest wildfires the city has ever seen. Firefighters have battled the blaze around the clock. In a span of minutes’ fires were popping up from everywhere. One home had burned, but no injuries have been reported, officials say.

700 homes have been evacuated from the cities of Glendale. Burbank & Los Angeles. The city has been under high wild fire alert due to heat wave and winds.

Three evacuation centers have been set up which include the McCambridge Park Recreation Center, 1515 N. Glenoaks Blvd., in Burbank; the Sunland Recreation Center in the 8600 block of Foothill Boulevard in Sunland; and Crescenta Valley High School, 2900 Community Ave.

Wishing all the affected the best and hope this is contained soon. We are forever grateful to the firefighters and emergency responders.

Mayweather vs Mcgregor

Will McGregor be able to pull it off tonight? He is younger, seems hungry and wants the notoriety more than the hype of the fight has created. He will certainly need to avoid any MMA/UFC style contact otherwise he can cause major injuries and of course get sued. No one wants a lawsuit.
One exception seems to be that he can use the “Superman Punch” in this match.
 Yes that’s right, McGregor can try a ‘superman punch’ in the fight on August 26,  2017 with Mayweather and remain well within the rules.

For those unfamiliar with this move, it requires the fighter to lead off their front foot and lunge forward with a flying punch. It is especially used in UFC when there is an opportunity to launch off the cage to gain extra force on the hit. 

All remains to be seen and whether the deal has a rematch rolled into it. Who knows. What we do know is that it will be a kick ass of a fight…well, lets hope it is. Enjoy and stay safe.

(Photo Credit: AP / John Locher)

The Great American Eclipse – Legal Alert:

Legal Alert:

Total Eclipse: You Need This Advice

Tomorrow, many Americans will witness an astronomical phenomenon: a total solar eclipse. It will sweep across the country on Monday, August 21. The path will pass over 14 states, although a partial eclipse will be visible in most of the country. When you combine the rarity of the event with the wide viewing area, you have a recipe for many disrupted incidents and potential injuries if proper precaution is not taken.

The Day Of The Eclipse

Astronomers are able to predict with a precise level of accuracy the time and effects we can expect on the day of the eclipse on August 21, 2017.

Eclipse Safety

Looking directly at the sun is unsafe except during the very brief moments when the sun is totally obscured by the moon. Even special glasses are not full proof.

Visit NASA’s website for best safety practices if you will be outdoors or working outdoors during this event, which will occur in the morning hours of August 21, 2017.

If you operate mobile equipment outdoors – whether a company car, forklift, or machinery, remind them of the dangers of distracted driving. Viewing the eclipse while operating heavy equipment is dangerous and could result in an accident.

Finally, ensure that all individuals who work outdoors or in elevated settings have all required fall protection equipment and reminded of the importance of “tying off.” Workers on rooftops or exposed platforms are likely to be distracted during the event, which may result in a trip and fall.

For more information about Nezhadlaw, visit our website at www.nezhadlaw.com.


This Legal Alert provides an overview of a specific astronomical event. It is not intended to be, and should not be construed as, legal advice for any particular fact situation.