I received a letter this week that a Human Resources employees' personal computer was stolen in a apparent burglary attempt late last month. That computer contained a company file with the Names, Birth dates and Social Security numbers of 30,000 employees.
The company has arranged for affected employees to have a year of Equifax 3 in 1 credit monitoring for free. I have taken this offer and signed up. In addition I have taken a precautionary extra step of placing a temporary fraud alert with the three CRA's (my company recommended this action). I also had previously sign up for ID Theft insurance through my homeowners insurance.
To my knowledge, no one has yet tried to use my information to open any new accounts. My question is, are there any other steps I should take to protect my self or make it easier if or when someone tries to use my information? There was about a 10 day lag between when the computer was stolen and when I was notified and signed up for the credit monitoring.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.