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Dec 21

Target Security Breach – how to protect yourself against identity theft

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Target Security Breach – how to protect yourself against identity theft

If you shopped at Target between November 27th and December 15th you may have received a letter stating that you were one of over 40 million customers impacted by the recent security breach. The theft is the second-largest credit card breach in U.S. history, after a retailer called TJX Cos. Target has since stated that it has identified and fixed the problem and is offering a 10% discount to all its’ customers on December 21st & 22nd.

What should you do if you find yourself a victim of this breach or any identity theft? First of all, monitor your accounts closely. At the first sign of a suspicious transaction contact your financial institution or credit card company immediately. If you notice a suspicious transaction on your Target debit or credit card, call Target at 866-852-8680.  Banks and credit cards will usually not hold you responsible for unauthorized purchases.

You may also request a free credit report at annualcreditreport.com.  Target is offering its customers free credit monitoring, but if you weren’t one that was impacted, you can also sign up for credit monitoring, which alerts you when someone attempts to open an account in your name.

Here is the information for the three major credit reporting agencies:

Equifax
(800) 525-6285
P.O. Box 740241
Atlanta, GA 30374-0241
www.equifax.com

Experian
(888) 397-3742
P.O. Box 9532
Allen, TX 75013
www.experian.com

TransUnion
(800) 680-7289
Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790
www.transunion.com

What do you think? Did Target do enough to protect its’ customers? Critics are saying they did not respond quick enough, what are your thoughts?

 

              

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