What you should know about the Equifax data breach September 13, 2017 – As you may or may not have heard, Equifax Inc., a credit reporting agency announced that they had experienced a cyber security incident potentially impacting up to 143 million U.S. consumers. We, Decorah Bank, have received initial notification from Equifax that they found no evidence of unauthorized activity on any of the information that the Bank has provided for credit purposes. Although this is good news, it does not mean that your information wasn’t impacted by this breach as you may have had credit checks performed elsewhere. At this point, assume that these cyber criminals have all of your highly personal information. Luckily, there are some steps you can take to protect yourself and your family. Watch out for the following: Phishing emails that claim to be from Equifax where you can check if your data was compromised Phishing emails that claim there is a problem with a credit card, your credit record, or other personal financial information Calls from scammers that claim they are from your bank or credit union Fraudulent charges on any credit card because your identity was stolen Consider these 6 steps to help prevent identity theft: Sign up for credit monitoring (there are many companies providing that service including Equifax but we cannot recommend that) Place a fraud alert on all three of your credit files. For more information visit the Federal Trade Commission on how to place a fraud alert. Freeze your credit files with all three major credit bureaus Equifax, Experian and TransUnion. Remember that generally it is not possible to sign up for credit monitoring services after a freeze is in place. For more information about freezing your credit files, visit the Federal Trade Commission Credit Freeze FAQs. The following are phone numbers and links for the three major credit bureaus: (These websites are experiencing a high volume of traffic and may be temporarily unavailable) Equifax Credit Freeze – https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp P.O. Box 105788 Atlanta, Georgia 30348 Toll-Free: 1.800.685.1111 TransUnion Credit Freeze – https://freeze.transunion.com/ Fraud Victim Assistance Department P.O. Box 6790 Fullerton, CA 92834 Toll-Free: 1.888.909.8872 Experian Credit Freeze – http://www.experian.com/freeze/center.html P.O. Box 9554 Allen, TX 75013 Toll-Free: 1.888.397.3742 Check your credit reports at www.annualcreditreport.com Regularly check your bank and credit card statements for any unauthorized activity. Fraudsters know you will be on high alert immediately following this attack, so ongoing monitoring of your accounts is critical. If you believe you may have been the victim of identity theft, and are a Decorah Bank/Cresco Bank account holder, we offer a free service to assist you! Call or stop in for details and personal assistance.