Don't Let the Equifax Breach Bite You at Tax Filing Time .. Protect Yourself

Mortgage and Lending with NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 IL Lic 031.0006220/WI



Don't Let the Equifax Breach Bite You at

Tax Filing Time .. Protect Yourself


Things move quickly in this era of the internet and social media.  Yesterday's news is quickly erased from our memories and replaced with today's headlines ...

An example of this is last Fall's Equifax breach  (announced on September 7th, 2017).  This breach quickly fell off the news radar.  

That's not good because this devastating data compromise could now come back to bite the approximately 145 million Americans affected by the Equifax Breach. 

How and Why?

Social Security Numbers.  Social Security Numbers were part of the data put at risk by the breach.  

Those stolen Social Security Numbers can serve as fodder for crooks to file fraudulent tax returns and gain access to your tax refunds.  As we enter the 2017 tax filing season, you and other taxpayers need to be aware of this existing danger and take pro-active measures to protect yourselves. 



  • File your Return as early as possible 
  • Take steps to prepare yourself for a quick, but accurate filing
  • Start gathering documentation, receipts, and records from your employer (or 1099's), financial institutions, charitable donations, student loans, mortgage holder, property tax escrows, deductible expenses, etc. NOW  
  • Make yourself a list of ALL the items you will need to file your Tax Return  
  • Check the items off as you receive them
  • Monitor/Check websites of Credit Cards, financial institutions, etc. for online access to documentation needed  


By performing these pro-active measures, you prepare yourself to input the gathered info on your Return quickly and efficiently.  These actions will also benefit a tax consultant and minimize the time they need for filing your Return (should you seek the assistance of a paid professional tax advisor).


If you then wish to monitor the status of your filed Tax Return, you can download the  
To do this you will need:
  • Your Social Security Number (or ITIN)
  • Your Filing Status
  • Your EXACT Refund Amount

But you must always remain aware:  No one can ever let their guard down ...

Even if you escaped the effects of the Fall 2017 Equifax Breach, it remains vitally important for you to continuously monitor all your accounts (including Student Loans, Utilities, Cell Services, Retirement Accounts, Investment Accounts, and Tax Returns/Refunds) on a consistent on-going basis. 

To accomplish this, I urge you to thoroughly review your FREE Credit Report (minimally, once a year) by going to  If at any time you find you have been compromised, take action immediately.  Then go to or call 1-877-438-4338 and report the compromise.  
Continue to act pro-actively on your own behalf.  Stay vigilant regarding the safety and security of your finances, credit, and debt.
If you have questions regarding the above, feel free to reach out to me ... or seek the advice and services of your own professional tax advisor.   If you need a referral to a reliable New Lenox/Chicagoland-area tax advisor, please contact me.  I'd be happy to pass along the name/contact info of a reputable professional in your area.
* Hoping to Buy or Refinance a home in New Lenox, Will County, or elsewhere in the Chicagoland area?  Contact Me! I'll put my 40 years of Mortgage experience and expertise hard to work on your behalf.
I'm easily found at:

Gene Mundt
Mortgage Originator - NMLS #216987 - IL Lic. #031.0006220 - WI License 216987
American Portfolio Mortgage Corp.
NMLS #175656
Direct: 815.524.2280
Cell or Text: 708.921.6331
eFax: 815.524.2281
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Gene Mundt

 Mortgage Originator  -  NMLS #216987    

                                 IL Lic. #031.0006220  -  WI License #216987                                                                                                    

NMLS #175656


Gene Mundt, Mortgage Originator,  40+ years of #mortgage experience, will offer you exemplary mortgage service and advice when seeking:  #Conventional, #FHA, #VA, #Jumbo, #USDA, and Portfolio Loans in #Chicago and the greater Chicagoland region, including:  The #Lincoln-Way Area, #Will County, (#New Lenox, #Frankfort, #Mokena, #Manhattan, #Joliet, #Shorewood, #Crest Hill, #Plainfield, #Bolingbrook, #Romeoville, #Naperville, #Wilmington, #Peotone, etc.), #DuPage County, the City of Chicago, #Cook County, and elsewhere within IL and Wisconsin. 


Your Referrals & Testimonials are Always Greatly Appreciated! 


Email Me .. to be added to my Mortgage & Real Estate Newsletter


Re-Blogged 5 times:

Re-Blogged By Re-Blogged At
  1. Roy Kelley 01/11/2018 06:00 PM
  2. Susan Haughton 01/11/2018 01:36 PM
  3. Debra Leisek 01/11/2018 11:20 PM
  4. Debe Maxwell, CRS 01/12/2018 10:27 PM
  5. Gabe Sanders 01/15/2018 11:30 PM
Lending / Financial
Illinois Will County New Lenox
Home & Credit Savvy
Consumer Mortgage Tips
credit reports
tax returns
social security numbers
credit fraud
tax advisors
filing taxes
tax fraud
financial protection
equifax security breach
filing federal taxes
checking your credit report

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Jeff Dowler
Solutions Real Estate - Carlsbad, CA
The Southern California Relocation Dude - Carlsbad

Hi Gene

I am well on the way to having everything for my CPA except the balance of the tax docs.

This is such good advice and we need to keep reminding people about the risks of that breach that will continue. You never know when you could get hit.


Jan 11, 2018 09:45 PM #16
Debra Leisek
Bay Realty,Inc Homer Alaska - Homer, AK

As usual Spot on Good Advice and information. Re-blog for sure.... people need to know... Thank you 

Jan 11, 2018 11:18 PM #17
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

Thank you for sharing. I will bookmark this post and read it again 

Jan 12, 2018 04:07 AM #18
Barbara Todaro
RE/MAX Executive Realty - Franklin, MA
"Franklin MA Homes"

Good morning, Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi it's that time of the year again.... and this is good information with many reminders...

Jan 12, 2018 04:34 AM #19
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

Thanks Gene.  Unfortunately, I can't file early as most of my outside K-9s and statements don't normally get to me until late March.

Jan 12, 2018 04:59 AM #20
Jeff Markell
American Advisors Group - Orange, CA
Reverse Mortgage Loan Originator | NMLS 224196

Great share, Gene. We must all be vigilant to protect ourselves from identity thieves.

Jan 12, 2018 08:17 AM #21
Corey Martin
Martin Presence Group - Ruston, LA
Real Estate and Management Solutions

Thank you for keeping up the campaign to raise awareness about this issue. It is sorely needed. 

Jan 12, 2018 08:31 AM #22
John Wiley
EXP Realty - Fort Myers, FL
Lee County, FL Real Estate GRI, SRES,GREEN,PSA

Great information for us all to be aware of.

It seems like every time we turn around some company and even the government has had their information breached.

We need to be protective and aware of what to do if it happens to us.

Jan 12, 2018 08:42 AM #23
Linda Metallo DiBenardo
Re/max Impact, Lockport, Illinois - Lockport, IL

I didn't know about   So easy to do and free.    Thanks Gene.

Jan 12, 2018 10:35 AM #24
Shahar Hillel
Augusta Financial Inc. - Stevenson Ranch, CA
Mortgage Consultant, Loan Officer.

Gene good morning.

This is very good information, Thank you for the post.

Have a good weekend.

Jan 12, 2018 11:26 AM #25
Michael Eisenberg
eXp Realty - Bellingham, WA
Bellingham Real Estate Guy

Great advise Gene, those hackers are bound to try and take advantage of someone, hope it's not you and I. We need to be pro=active as you suggest.

Jan 12, 2018 02:23 PM #26
Debe Maxwell, CRS | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
Charlotte Homes for Sale - Charlotte Neighborhoods

I read this yesterday and didn't comment but, reminded Ray to get us scheduled with the CPA right away! I actually had a buyer who had an issue with someone having filed a fraudulent tax return and didn't know his identity had been stolen until he bought a house and went through the lending process. It took us 6 months to get everything straightened out with the IRS, Gene! An inconvenience for all involved but, a nightmare for the buyers!

Happy Friday!

Jan 12, 2018 06:25 PM #27
Carol Williams
U.S.: I specialize in helping agents who have been in the business 2 years or less create a thriving business. - Wenatchee, WA
"Customized Mentoring & Marketing Services"

Nice heads up, Gene.  It's that time of year!

Jan 13, 2018 11:20 AM #28
Debe Maxwell, CRS | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
Charlotte Homes for Sale - Charlotte Neighborhoods

you're so welcome, Brotha Gene! 

Yes, I'm a lucky woman - he takes care of personal appointments and 'date nights' - could be that he knows that otherwise, it may never happen if left to me! I get so wrapped up in work, I forget the personal things sometimes! LOL

Happy Saturday!

Jan 13, 2018 11:42 AM #29
Patricia Feager
Selling Homes Changing Lives

Excellent information Gene! Before I could even type, suggest a feature from AR they beat me to it!

Congratulations on a very important topic truly worth of feature recognition!

Jan 15, 2018 09:55 AM #31
Sharon Tara
Sharon Tara Transformations - Portsmouth, NH
New Hampshire Home Stager

So many slime balls out there to mess with us. I would not have thought of this. Thanks for the tips!

Jan 15, 2018 02:37 PM #32
Tammy Lankford,
Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668 - Eatonton, GA
Broker GA Lake Sinclair/Eatonton/Milledgeville

Very important information.  Last year we had a client who encountered the problem of a fraud filing that put a scretching hault on her loan for weeks until she got the problem resolved with the IRS.  She needed her 2016 income and her return (the real one) was rejected.  Horrible experience for her.

Jan 15, 2018 02:58 PM #33
Sally K. & David L. Hanson
Keller Williams 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Divorce - Short Sale

Waiting for that 1099 and off we go to the CPA !

Jan 16, 2018 02:30 AM #34
Nick & Trudy Vandekar, 610-203-4543
Long & Foster Real Estate Inc 610-225-7400 - Devon, PA
Tredyffrin Easttown Realtors, Philly Main Line

Great post, full of good advice.

Jan 16, 2018 07:46 AM #35
Dörte Engel
RE/MAX Leading Edge - Bowie, MD
ABC - Annapolis, Bowie, Crofton & rest of Maryland

Dear Gene,

Never thought about the breach from this angle.

Jan 16, 2018 08:42 PM #36
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Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi

708.921.6331 - 40+ yrs experience
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