Equifax, one of the nation’s largest credit bureaus, recently revealed a data breach which exposed access to personally identifiable information of up to143 million Americans and 209,000 U.S. credit cards.
Please review the following information to better understand how this breach may affect you and ways you can monitor and protect yourself from fraud.
How does Trailhead use Equifax?
Trailhead uses the credit bureau Experian to make credit decisions on new and existing accounts. However, we report loan repayment data back to both Experian and Equifax.
What information was compromised?
According to Equifax, the hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people
What can I do to monitor my accounts and credit history?
You should regularly monitor your existing accounts and credit cards closely for charges that are not recognized. Use Trailhead’s Online and Mobile Banking app to do this.
In addition, you can pull a copy of your credit report from each major bureau once per year at www.annualcreditreport.com. We recommend doing this on a regular basis to keep an eye out for any unauthorized or unusual activity.
Equifax is promoting their own credit monitoring service, TrustedID, free for one year but may require payment after that. (IMPORTANT: You must waive your right to class-action or personal lawsuits against Equifax to use this service.)
What should I do if I notice unauthorized or unusual activity on my Trailhead account?
Please let us know as soon as possible and we’ll take the appropriate steps to file a dispute or fraud report on your behalf. It is always helpful to review your accounts on a regular basis.
Does Trailhead offer any identity theft and credit monitoring services?
Trailhead has partnered with Merchants Information Solutions to offer you the highest quality Identity Theft Solutions available in the market place today. Learn more about plans and options available to you.
For additional tips please visit the Federal Trade Commission Identity Theft page here.