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Equifax Data Breach

Equifax, one the big three U.S. credit bureaus announced recently that a data breach at the company may have exposed 143 million American consumers' sensitive personal information.

Although Equifax reports it has found no evidence of unauthorized activity on its core consumer credit reporting database, other information was compromised. The hackers accessed people's names, Social Security numbers, birth dates, addresses and, in some instances, driver's license numbers. In addition, credit card numbers for over 200,000 U.S. consumers and certain dispute documents were accessed.

Equifax is providing periodic updates on this data breach on a site dedicated to informing consumers: www.equifaxsecurity2017.com.

Take Action: Stay Informed and Monitor

A breach this large has the potential to include Powerco Federal Credit Union members and we're here to help any way we can. Powerco remains ever-vigilant in securing our credit union data. Below are some steps you can take, specific to this incident and others that are good practice in general.

You can take proactive steps to monitor your Powerco Federal Credit Union accounts. Use Online Banking and/or Mobile Banking to set up account alerts and check your account activity. If you have a Powerco VISA® credit or debit card, sign up for the new (free) VISA Purchase Alerts service. You can monitor your VISA credit card activity by enrolling in VISA eAccess.

If you see any unauthorized activity on your Powerco Federal Credit Union account, credit card or debit card, report it to us immediately. 

  • Call us at 1-800-633-5217
  • Hotline for reporting a compromised Powerco VISA® Classic or VISA® Gold credit card.  Available 24 hours a day, seven days a week. 1-800-556-5678
  • Hotline for reporting a compromised Powerco VISA® Check Card.  Available 24 hours a day, seven days a week. 1-800-472-3272

The Federal Trade Commission (FTC) has shared the below steps to help protect your information from being misused.

  • Visit Equifax’s website, www.equifaxsecurity2017.com. (You may also contact their dedicated call center at 1-866-447-7559)
  • Find out if your information was exposed. Click on the “Potential Impact” tab and enter your last name and the last six digits of your Social Security number. Your Social Security number is sensitive information, so make sure you’re on a secure computer and an encrypted network connection any time you enter it. The site will tell you if you’ve been affected by this breach.
  • Whether or not your information was exposed, U.S. consumers can get a year of free credit monitoring and other services. The site will give you a date when you can come back to enroll. Write down the date and come back to the site and click “Enroll” on that date. You have until November 21, 2017 to enroll.
  • You also can access frequently asked questions at the site.

There are a number of steps you can take to help protect yourself after a data breach of any sort:

  • Check your credit reports from Equifax, Experian, and TransUnion — for free — by visiting annualcreditreport.com. Accounts or activity that you don’t recognize could indicate identity theft. Visit IdentityTheft.gov to find out what to do.
  • Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts.
  • Monitor your existing credit card and credit union accounts closely for charges you don’t recognize.
  • 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 really is you.
  • File your taxes early — as soon as you have the tax information you need, before a scammer can. Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job. Respond right away to letters from the IRS.

Visit Identitytheft.gov/databreach to learn more about protecting yourself after a data breach and visit Powerco's Member Security Center, Identity Theft Resources CenterFinancial Education Center and Video Library for more details on how to protect your sensitive personal information.

Below, you will find links to read, download, and print various identity theft publications. You can also stop by any Powerco branch location or call us at 1-800-633-5217 to request copies of these publications.

Identity Theft - What to Know, What to Do

This brochure gives a brief overview of what identity theft is and how to recover from it. It also promotes IdentityTheft.gov, the Federal Trade Commission’s website for identity theft victims.

Identity Theft - What to Do Right Away

Identity Theft - Military Personnel & Families: What to Know, What to Do

This brochure gives a brief overview of what identity theft is and how to recover from it – with special tips for the military community, including information about active duty alerts.

Identity Theft - A Recovery Plan

This booklet is the FTC’s updated guide for victims of identity theft, including to-do lists, forms, and sample letters. It also promotes IdentityTheft.gov, the Federal Trade Commission’s website for identity theft victims.

Child Identity Theft - What to Know, What to Do

This brochure for parents explains what child identity theft is and what to do if it happens to your child. It also promotes IdentityTheft.gov, the Federal Trade Commission’s website for identity theft victims.

Data Breaches -- What to Know, What to Do

This brochure gives a brief overview of what to do if your personal information is exposed in a data breach. It also promotes IdentityTheft.gov/databreach, the Federal Trade Commission’s website for data breach victims.

 

NCUA

This credit union is federally insured by the National Credit Union Administration.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 762143

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