Ngaphezulu, abahlaseli bakwazi ukufumana ulwazi lwekhadi lesikweletu ngabasebenzisi bama-209,000 kunye namaxwebhu angxabano (enolwazi olongezelelweyo ulwazi) kwabanye abasebenzisi abayi-182,000.
Ubunzima Kangakanani Ulwazi lwe-Equifax Breach?
Ukuba sibheke kuphela amanani, ukuphulwa kwedatha ye-Equifax akuyona nto inkulu. Ingxelo yabaninzi abathengi abachaphazelekayo ngokuphulwa kwedatha iya kwi-Yahoo, eyayinabathengi abayizigidi ezi-500 abachaphazelekayo ngokuphulwa okwenzeka ngo-2014 kunye neerandi ezigidi ezili-1 iirekhodi zabathengi eziye zatshitshiswa ngo-2013. Nangona kunjalo, ngokwemiqathango yolwazi oluchithwe kwaye ukuba i- credit bureau ejongene nokuhlaselwa, le nto ingaba yinto ephuculweyo yedatha kwimbali .
Amanani okhuseleko loluntu mhlawumbi yinto ebalulekileyo yokuchonga ulwazi esinalo. Ngako, amasela angakwazi ukuvula amakhadi-mboleko , afake isicelo sokuthenga imali, uthenge imoto, qalisa ishishini, irhafu yentlawulo, isicelo seenzuzo zorhulumente, uninzi nje uyenze ukuba ube nguwe kwaye ushiye uqobo ukuba ujongane nokuwa.
Okanye, bangayithengisa ulwazi lwakho okanye bayithumele kwi-intanethi kwabanye ukuba basebenzise.
Isenzo sokukhawuleza kunye nokubeka iliso ngokuqhubekayo kubalulekile ukuba sonke sizikhusele kangako. Nakhu okumele kwenziwe ngumntu wonke emva kokuphulwa kwedatha ye-Equifax.
Fumana Ukuba Uthintekile
I-Equifax imise iwebhusayithi apho abathengi banokuzama ukufumanisa ukuba ngaba bachaphazelekayo.
Uya kufuneka ufake igama lakho lokugqibela kunye neenombolo zokugqibela ezithandathu zenombolo yokhuseleko lwakho loluntu kwi-EquifaxSecurity2017.com ukuze ufumane ukuba ulwazi lwakho luye lwacatshiswa. (Oko kukuthi, ukuba uzimisele ukubeka ulwazi oluthe xaxa ezandleni zenkampani enamarekhodi angama-143 ezigidi zabathengi.
Awuyi kuba nzima ngo "ewe" okanye "hayi" malunga nokuba uthintekile. Endaweni yoko, ukuba ufaka ulwazi lwakho lomntu kwifomu, uya kufumana enye yemiyalezo emibini: nokuba bakholelwa ukuba ulwazi lwakho lomntu luye lwachaphazela eli siganeko okanye bakholelwa ukuba ulwazi lwakho lomntu aluzange luchaphazele eso siganeko. Ngenxa yokuba i-Equifax ayinikezeli impendulo ecacileyo nayiphi na indlela, kulungelelaniso lomntu wonke ukuziphatha njengokungathi ulwazi lwabo luye lwaye lwaphazamiseka kwiphulo.
Ukuthwala iingxelo zakho zemali
Ukulibaziseka phakathi kokuphambuka kweenkcukacha kunye nexesha le-Equifax lokunika ingxelo kuluntu, linike abahlaseli ngaphezu kwexesha elaneleyo lokusebenzisa ulwazi. Kukho ithuba lokuba ulwazi oluthe lwabathengi selusetyenzisiwe.
Qala ngokutsala iikopi zazo zontathu iingxelo zeentengo zemboleko ukuze ubone ukuba ulwazi lwakho selusetyenzisiwe. Khangela nayiphi na i-akhawunti ongayivulanga, ukusetyenziswa okukrokrelayo kwi-akhawunti yangoku, okanye imibuzo ongazange uyiqalise (ngakumbi ukuba yenzeke emva koMeyi 2017).
Ukuba ubona naziphi zezi zinto, ingakumbi iakhawunti ongazange uyivule, thatha amanyathelo okucima ubusela besazisi .
Fakela ingxelo yeepolisa kwaye uzalise ifom yefayibha ye-ID . Zombini ezi maxwebhu zibalulekile ukukhusela ii-akhawunti ezikhohlisayo ukusuka kwingxelo yakho yekhredithi kunye nokwenza amanyathelo ukuqinisekisa ukuba i-identity yakho ayinakucatshulwa ngakumbi.
Khuphela kwiiNgxelo zakho zemali
Ukukhupha ingxelo yakho yebhanki yiyona ndlela efanelekileyo kakhulu yezenzo ukuba ngaba ungowesinye sezigidi ezili-143 ezirekhodiweyo zazo okanye kungenjalo, kuba ngokunyanisekileyo, akukho ndlela yokukwazi ngokuqinisekileyo.
Umngcipheko wokhuseleko okwangoku unamandla kakhulu okukhoyo okukhusela ukukhwabanisa. Emva kokuba ubeka ingqungquthela yokhuseleko kwingxelo yakho yekhredithi, amashishini akakwazi ukufikelela kwingxelo yakho yekhredithi ukuze avumele naziphi na izicelo ezintsha. Ngaphandle kokuba, bazimisele ukuvumela isicelo ngaphandle kwedatha yengxelo (okanye basebenzisa umthombo ngaphandle kweenkonzo ezintathu ezinkulu zemali-mboleko), amasela angeke akwazi ukufumana i-akhawunti egameni lakho.
Ukubeka iindleko zokukhusela ikhuseleko ukuya kwi-$ 15, kuxhomekeke kwimeko yakho, kwaye kufuneka ibekwe kwiingxelo zakho zekredithi ngokwahlukileyo. Oko kuthetha ukuhwankqisa zonke iingxelo zakho zeentengo zemali-mboleko zingadla i-$ 45. Ukuba sele usuxhoba lokutshitshiswa kobunikazi, akukho ndleko yokubeka ukukhutshwa kwokhuseleko kwingxelo yakho yekhredithi nje kuphela xa unikeza i-credit bureaus ikopi yengxelo yakho yamapolisa kunye ne-ID yakho yefayivali.
Uza kufuneka unyuse isikhashana ingxelo yengxelo yakho yekredithi xa ufuna ukufaka isicelo sesikweletu. Ukuba awufuni ukukhenkcela zonke iingxelo zeentengo zetyala ngalinye, unokuqhagamshelana nenkampani ukufumanisa ukuba yiyiphi i-ofisi abayisebenzisayo ize ivule ingxelo ye-credit bureau. I-credit bureaus iya kukunikezela ngePIN okanye iphasiwedi ongayisebenzisa ukuqinisekisa ukuba ngokwenene nguwe ophakamisa iqhwa.
Ukuba unokwenza isigqibo sokususa i-froze yonke into, kufuneka uhlawule enye intlawulo.
Qwalasela ngokugqithiseleyo ukubeka inqabiseko yokhuseleko kwingxelo yakho yemali-mboleko nangona i-Equifax ithi abayikholelwa ukuba ulwazi lwakho lwaluhlehlisiwe. Ukuphulwa kwedatha kuqhubeka ngokuqhelekileyo. Njengoko iibhanki zichithwa phantsi kwekhredithi yekhadi yesikweletu ngekhnoloji enamandla, njengama- chips e-EMV , amasela afuna ukufumana ezinye iindlela zokweba idatha yomthengi. Ukuba ulwazi lwakho lomntu aluzange luthatyathelwe kule nto okanye olunye ukuphulwa kwedatha, lungaba ngumcimbi wexesha kuphela.
Ukuphulwa kwedatha kwesi sikhundla kwenza iindaba eziphambili ngenxa yobukhulu beenkampani kunye nenani leirekhodi ezebiwe. Ukuphulwa kweenkcukacha ezincinci kungabonakali okanye kungabonakali. Ukubeka umfutho wokhuseleko ngumnye walezo zinto onokuzenza ukuze uzikhusele nje xa kwenzeka-enjengomntu onomshuwalense wemoto.
Kutheni Ungayibeki Isaziso Sokuqhatha?
Ukuqaphela ukukhwabanisa yindlela enye yokulwa nokutshitshiswa kobuqhetseba kunye nobuqhetseba, kodwa ayinikeli ngokukhuselekileyo njengokhuseleko lokukhusela.
Isilumkiso sokuqala sobuqhetseba simahla, siphelela iintsuku ezingama-90, kwaye kuphela kukufuna ukuba uqaphele enye yeevenkile zemali-mboleko. Ukuba i-credit bureau izakuvumela ukuba ezinye ii-bureaus zikwazi ukubeka uqapheliso lobuqhetseba kwiifayile zakho zekredithi nazo.
Ukuqaphela ukukhwabanisa nje isaziso kwirekhodi yakho yekhredithi exwayisa amashishini ukuba athathe amanyathelo angaphezulu ukuqinisekisa ubungqina bakho ngaphambi kokuba unike i-credit. Amashishini angakuthi ahlole i-credit yakho kwaye, ekubeni afuneki ngokomthetho ukuba ahlale esilumkiso sobuqhetseba, abanye banokukhetha ukunika isicelo
Unokubeka isilumkiso esinyanisiweyo sokukhwabanisa kwingxelo yakho yekredithi, eya kuhlala iminyaka eyisixhenxe endaweni yeentsuku ezingama-90 kuphela, kodwa kufuneka uqinisekise ukuba ube lixhoba lobusela besazisi ngokunika ingxelo yepolisa kunye nesimboso sokuthi utywala.
Ukubeka iliso kwi-Credit yakho eqhubekayo
Ukubeka iliso ngetyala lakho kukuvumela ukuba usebenze kwiakhawunti ezityhafisayo okanye ezinye izinto ezinokukrokra kwaye wenze ukuba uthathe amanyathelo athile okukhusela ukukhwabanisa kwangaphambili. Qaphela ukuba ukubeka iliso ngetyala kuyakunceda ukuhambisana neenguqu kwi-credit yakho, kodwa kukuvumela ukuba uphendule kwiba utshintshi. Ukuthintela kukugcina ixesha, imali, namandla okusebenza kunye nokunyanzeliswa komthetho kunye namaziko eentengo zemboleko ukucima iziganeko zokuba utywala.
Ziziphi iindlela zokubeka iikredithi zakho? I-Equifax inikezela iinyanga ezili-12 zokubeka iliso kwihredithi kumahhala kubo bonke abathengi base-US ekuphenduleni ukuphulwa. Kwaye phezulu, kubonakala ngathi ngumnikelo olungileyo. Iprojekthi yokubeka iliso kwiNkulumbuso yeTrenda yeNkcazo iza ne-third-office-monitoring monitoring, ukufikelela kwi-akhawunti yakho ye-credit ye-Equifax, ukukwazi ukutshixa nokuvula ingxelo yakho ye-credit, i-inshorensi yobunikazi, kunye ne-intanethi yenombolo yokhuseleko lwakho loluntu.
Iingxaki: awukwazi ukujonga okanye ukhiye iingxelo zakho zeCreditan okanye iTransUnion, ukubeka iliso kwi-credit kuphela kuphela emva konyaka oya kuhlawuliswa ngawo, kwaye unikezelwa yinkampani efanayo eyakuvumela ulwazi lwakho ku hlengiswa.
Xa ubhalisela ukuhlolwa kwekhredithi eyenziwa yi-Equifax kwaye iyavumelana nemimiselo yabo, uyavuma ukulungisa zonke iimbambano ngokubambisana kunye nokunikela ilungelo lakho lokuthatha inxaxheba kumgwebo wezenzo zeklasini. Ukunyathela ngokucophelela. Unelungelo lokugatya umlamlo, kodwa kufuneka uyenze ngokubhala phantsi kweentsuku ezingama-30. Ukuba ufuna ukuqhubeka ngale ndlela, thumela ileta yakho ngeposi eqinisekisiweyo ukuba unobungqina bosuku othunyelwe ngalo kwaye lufunyenwe. Qinisekisa ukuba ugcina ikopi yamarekhodi akho.
Nazi ezinye iindlela ezikhethiweyo zokugcina iMathebhu kwiNgxowa-mali yakho:
I-Karma yeMboleko inikeza ukujonga ngokukhululekileyo iingxelo ze-akhawunti ze-Equifax kunye neTransUnion kunye ne-Credit Sesame inikezela ngokujonga ngaphandle kwe-akhawunti yakho ye-Experian.
Ukuba uzimisele ukuhlawula isisombululo sekhredithi / isibonelelo, khangela i-Lifelock. Izicwangciso ziqala kwi-9.99 yezikolo ngenyanga kodwa kwelinye i-bureau kuphela. Isicwangciso sabo sokubeka esweni se-ofisi se-$ 29.99 ngenyanga. Isicwangciso ngasinye sinikeza uhlobo lwe-inshorensi yobucala kunye nolwazi lwezokhuseleko loluntu.
Isicwangciso esiphantsi kwe-Identity Guard sika-$ 19.99 ngenyanga kwaye inikezela ngeengxelo ezintathu ze-credit kunye neengxaki zokusongela, izaziso zokuthatha iakhawunti, ukubeka iliso kwiinkcukacha, kunye nokunye.
Ungathembeli kuphela kwi-monitoring monitoring ukuze uqhubeke neenguqu kwi-credit yakho. Ukuphonononga nganye iingxelo zeentengo zemboleko ezivela kwii-ofisi ezinkulu zesikhokelo ubuncinane kanye ngonyaka. Uza kufumana isethi enye simahla ngokuyalela nge-AnnualCreditReport.com.
Jonga iiAkhawunti zakho zeKhadi leKhadi
Nangona iinqununu zokukhuseleka kwezenhlalakahle zentlalo zifumana uninzi lwengqalelo, ungayihoyi i-akhawunti yakho yekredithi. I-Equifax yabika malunga naba-209,000 abathengi banolwazi lwabo lwekhadi lesikweletu. Ngengcaciso encinci malunga nokuba ngaba bathengi bangaba ngubani okanye ukuba bangazibona njani, kufuneka sonke sijonge iingxelo zekhadi lesikweletu . Hlola ii-akhawunti zakho rhoqo kwaye uphawule nayiphi na iindleko ezisolwayo kumniki-khadi wakho wekhadi.