Your credit information has likely been stolen.
As you’ve probably read in the news, or heard on telly, Equifax, one of the three largest U.S. credit bureaus, was hacked earlier this month, exposing over 143 million American’s personal information. And, trust me, no matter how bad it sounds, it is most assuredly worse than you think. What’s more, it seems like this breach was strictly due to negligence on the part of one of their system administrators, who didn’t keep up to date with patches on some of their backend software, leaving them vulnerable to the attack. But, unless you’re a professional geek like me, you probably don’t care about that. Rather, what you care about is what to do next.
Luckily, Consumer Reports has some suggestions on how to respond to the breach of your personal data, and they’re pretty good suggestions. Thankfully, since my wife and I recently refinanced our house to get out of most of our consumer debt, I have some credit monitoring already in place. If you don’t though, now is a good time to get that going. And, as always, it’s best to keep a close eye on your credit reports and bank accounts regularly. Breach or no breach, that’s just a good habit to get into these days. Identity theft is big business in the digital underworld. It’s unfortunately a “growth business”.
But, none of those are the links I’m really intent on sharing with you this week. No, this week, the very important link I have for you is via Boing Boing and it’s a chatbot that will help you sue Equifax for your loss of privacy and personal data. It’s not available for all states yet, just the ones that have class-action lawsuits filed already, but I’m sure more states will be “piling on”, as we used to say in Chicago, in the coming months. Also, the app is being hit pretty hard, as you can imagine with almost 45% of all U.S. Citizens potentially being effected by this breach. There are a lot of people that might be trying to use this chatbot!
So, hang in there and good luck! And, come back next week for something a little lighter to take your mind off the financial trouble of almost half the U.S.