[Neighbors] Fwd: UPDATE: Equifax extends free credit freezes to June 30

Tue Feb 13 22:23:21 MST 2018

Hi again, neighbors, 

Hey, I found this! Thought I'd send it on,
can't imaging PIRG would mind the share ~ maybe more folks will be
inspired to support them :). 

Karen 

-------- Original Message
-------- 

		SUBJECT:
 		UPDATE: Equifax extends free credit freezes to
June 30

		DATE:
 		Feb 1 2018 7:08 AM

		FROM:
 		NMPIRG
<action at nmpirg.org>

		TO:
 		kingkb at swcp.com

		REPLY-TO:

		action at nmpirg.org

Equifax has changed the end date for one of its
offers. We have not changed our previous advice. 

Karen B., 

Equifax
has changed the end date for one of its offers. We have not changed our
previous advice. 

On Tuesday, one day before Equifax's offer of free
credit freezes would have expired, the credit reporting agency extended
the deadline for getting free freezes on Equifax credit reports. 

The
new deadline for getting a free Equifax credit freeze is now June 30. We
called Equifax's freeze department and received confirmation of the
change. 

Although this gives consumers more time, there should be no
deadline at all. Freezes should be free for consumers to get at any time
-- and our federal and state staff are working hard to pass legislation
to make this happen. 

Regardless of this extension, you should act
sooner than later if you haven't protected your information yet. Each
day that goes by is another day an identity thief could open an account
in your name if you don't have a freeze on your credit report. 

Getting
credit freezes at all three national credit bureaus remains the best
action you can take after the Equifax breach, whether you were affected
by it or not. Even though in most states you'll outrageously still have
to pay fees at Experian and TransUnion, you should get the free freeze
with Equifax while you still can. 

Our step-by-step guide for placing
credit freezes with all three bureaus is available here [1]. FAQs about
the Equifax data breach are available here [2]. 

Sincerely, 

David
Rossini
NMPIRG

P.S. We couldn't do this work without the support of
folks like you. Donate today. [3]

---------- Forwarded message
----------
From: NMPIRG <action at nmpirg.org>
Date: Mon, Jan. 29,
2018
Subject: Equifax credit freeze: Take action by Jan. 31
To: Karen B.
King <kingkb at swcp.com> 

Karen B., 

Have you taken action to protect
your personal data? 

Ahead of three changes to what Equifax is offering
consumers following its breach of 145 million consumer records, I want
to urge you to get a free credit freeze with Equifax by January 31 if
you haven't already. That's the last day Equifax will waive the fee it
normally charges consumers in most states to get credit freezes on
Equifax credit reports. 

Getting credit freezes at all three national
credit bureaus is the best action you can take after the Equifax breach,
whether you were affected by it or not. Even though you'll outrageously
still have to pay fees at Experian and TransUnion, you should get the
free freeze with Equifax while you still can. 

Our step-by-step guide
for placing credit freezes with all three bureaus is available here [4].
FAQs about the Equifax data breach are available here [5]. 

Here's some
more info on the three changes to what Equifax is offering consumers: 

	* TRUSTEDID PREMIER: January 31 is the last day to sign up for
TrustedID Premier, Equifax's initial offer after the breach. It provides
one year of free services such as credit monitoring. It doesn't hurt to
sign up for these services; however, you should know they are limited
and, at best, only alert you to identity theft after it has occurred.
Therefore, we also recommend you freeze your credit reports with all
three national credit bureaus.

	* EQUIFAX CREDIT FREEZE: January 31 is
also the last day Equifax will waive the fee it normally charges
consumers in most states to get credit freezes on their Equifax credit
reports. We recommend that you take advantage of this option. The page
for getting it is available here [6]. 

 	* WHAT IS A CREDIT FREEZE? It
is a commonsense tool that allows consumers to freeze access to their
credit history and scores, denying thieves the ability to open any fake
accounts in their names.
 	* NOTE: For complete protection, you'll need
to freeze your reports with the other two credit bureaus, too. Blocking
access to your credit report with one bureau but not the other two is
like locking your front door but leaving your garage and back doors wide
open.

 	* LOCK & ALERT: January 31 is the launch date for Lock & Alert,
a service that will let consumers lock and unlock their Equifax credit
reports indefinitely for free. This service only blocks access to
Equifax credit reports, not credit reports at the other two bureaus.
Locks appear to block access to credit reports the same way freezes do.
However, freezes are a right by law and not conditional on terms set by
companies. We will review the terms of service when they are made public
to determine if it is a good option for consumers.

Keep an eye out for
other consumer alerts, as well as opportunities to call on Equifax and
our lawmakers to do more to remedy this situation, and prevent similar
problems in the future. 

Sincerely, 

David Rossini
NMPIRG

P.S. Your
support is what makes our consumer watchdog work possible. Chip in
today. [7] 

SUPPORT NMPIRG. [8] Contributions by people just like you
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