On September 7th, 2017, Equifax, one of the three major credit bureaus, notified the public of a cyber security breach. Equifax obtains consumers data from financial institutions, including Ardent Credit Union, who reports on the credit activity of individuals. Consumers can also check if they were impacted on their web site here:  https://www.equifaxsecurity2017.com.  If you’ve been impacted,

  • Consider adding an extended fraud alert or freezing your credit.  Here is link to the Federal Trade Commission (FTC) site explaining both - https://www.consumer.ftc.gov/topics/identity-theft.  Be sure to have a contact number on any alert.
  • Utilize Annualcreditreport.com – You are entitled to a free copy of all three bureaus annually – spread out these copies by ordering one from a different bureau every 4 months - https://www.annualcreditreport.com/gettingReports.action.  This will allow you to check your credit throughout the year.
  • Ardent offers SecurLock Equip, a free application which we also recommend for all of our members.  This free phone app allows you to enter your card information with Ardent, and shut the card off if it is lost or stolen.  It can also be set up to notify you of all card activity.
  • To learn more about how you can protect yourself, visit the FTC’s site at https://www.identitytheft.gov/Assistant