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Equifax breach would pose problems for expats

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seoulguy
9/12/2017 16:58 EST

I'm surprised not to find any posting on the mega Equifax breach, putting at risk millions of SS, CC, and other personal data. Those w/o credit monitoring would never know if a fraudulent hard inquiry turns into a fraudulent account until the bills start piling up in your name. In that case, even if you lived next door to all the bureaus, there would be a mountain of paperwork to resolve just one such incident. So, are expats just letting it go as some sort of fake news or putting some protections in place? I found one Chapala expat who froze all accounts before crossing the border, even before this news came out. That was probably smart.

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joaquinx
9/12/2017 17:51 EST

Many expats wear a belt and suspenders at the same time.

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JWinPS
9/12/2017 18:25 EST

You can put security freezes on your account. That means no creditor can access the report and no one trying to get credit in your name can do so. Have to do so with each of the three credit report agencies. There may/may not be a charge depending upon what State you have in the US. If you don't have a residence in the US also, I don't know if there's a charge. Each agency would probably be able to answer that.

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JWinPS
9/12/2017 23:39 EST

Found this today. It provides info to see if your data was possibly breached.

https://www.usatoday.com/story/opinion/2017/09/12/equifax-ceo-we-make-changes-editorials-debates/659738001/

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wearebobo
9/13/2017 19:53 EST

By law each credit reporting agency must provide you with one free comprehensive report per year. If you go to annualcreditreport.com you can find the information you need. You can obtain one full credit report every four months by utilizing this free service.

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