Don't Give a "One and Done" to the Equifax Breach

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


Don't Give a "One and Done" to the Equifax Breach


By now, you've probably heard and seen multiple articles regarding the recent Equifax breach of security.  I myself have written and addressed this breach in an earlier post.


You may believe you've seen and absorbed all the details and instructions surrounding this breach.  And that you've taken the necessary steps to check your credit and finances in order to either repair your compromised credit or further protect yourself.  

That may or may not be true.  Are you willing to take that gamble?  

Seemingly, many are ...  


I say that because, as I've continued to read comments left on my post and others' concerning this breach, one thing has become abundantly and alarmingly clear.  

Too many people incorrectly believe that this notice of the Equifax breach requires a "one and done" reaction.  Too many assume that if they check their credit and finances now ... and find no current signs of problems ... that they are in the clear.  That they can breathe a sigh of relief.  

Sadly, that's not true.

Stolen private and financial information can have a long and indefinite shelf life in the resale scam market.  Just because a breach of your credit and finances has not reared its ugly head yet today ... does not mean it won't do so at some point in the future.  

As offered in my previous post regarding this breach ...  

You should react to this Equifax breach assuming the worst.  And that's both in the short and long term.  

You should proactively continue to take measures to protect yourself, your finances, and your credit history/credit scores moving forward ... no matter what your credit inquiries find right now.  Consistent timely monitoring is called for.

Adopt this mindset.  Make it your routine.  You'll be better protected and prepared should any issues arise in the future.

If you've found that you've already been compromised as a result of this Equifax breach, take action quickly.  Following are some of the actions you should take:

  • Contact your bank/financial institution(s).  Cancel credit and debit cards immediately.
  • Consider closing your Checking Account(s).  Reopen a new one.     
  • Change Account Passwords.  
  • Change Account Security Questions.
  • Consider placing a fraud alert or credit freeze.  Educate yourself thoroughly prior to taking action.
  • Go to for a free credit report.  Review it thoroughly.  
  • Go to or call 1-877-438-4338 to report the compromise.
  • Contact any businesses where bogus accounts were opened.  Ask that account(s) be closed.  
  • If your Driver's License has been stolen:  Find your nearest motor vehicles office at File a Report.
  • Don't overlook checking these types of accounts too:  Student Loans, Utilities, Cell Services, Retirement Accounts, Investment Accounts, etc. 

I can't stress these very important points strongly enough:  

  1. If you suffered stolen info/data:  Keep detailed accountings of any actions you take to address issues that arise.  
  2. Always request that letters/written proof of your request(s) and confirmation of account closings be forwarded to you.  
  3. Follow-up on communications and requests until they're acknowledged/received.  Having this written proof in your possession can save you time and frustration in the future.
  4. Continue to monitor your personal information, credit, credit report, accounts, and finances on a consistent basis in the future.  

Those intending to do harm using stolen personal and financial information can and will try to do so indefinitely.  This is NOT a "one and done" call to action.


Stay vigilant from this point forward.  Take measures to protect yourself from the havoc that may result from the Equifax breach or any others that might occur in the future. 


*  Hoping to Buy or Refinance a home in the Chicagoland area?  Contact Me!  I'll put my 40 years at 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. 


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Re-Blogged 10 times:

Re-Blogged By Re-Blogged At
Lending / Financial
Illinois Will County New Lenox
Home & Credit Savvy
Chicago Area Real Estate BUZZ!
security tips
credit tips
security breach
protecting your identity accounts
equifax breach
running your credit report

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Lise Howe
Keller Williams Capital Properties - Washington, DC
Assoc. Broker and Attorney Licensed in DC, MD, VA,

I have some work to do - thanks you so much for the great suggestions

Sep 13, 2017 07:04 AM #29
Nick & Trudy Vandekar, 610-203-4543
Long & Foster Real Estate Inc 610-225-7400 - Devon, PA
Tredyffrin Easttown Realtors, Philly Main Line

What good advice Gene as always.

Sep 13, 2017 11:56 AM #30
Wanda Kubat-Nerdin - Wanda Can!
Prado Real Estate South - St. George, UT
So Utah Residential, Referral & Relocation REALTOR

I just pulled mine and put an alert in case someone tries to open another account. Thanks again for the thoughtfulness and care you put into this post Gene, always appreciated! Re-blogging.

Sep 13, 2017 12:33 PM #31
Elva Branson-Lee
Solid Source Realty GA - Atlanta, GA
CDPE - Atlanta Real Estate & Short Sale Agent

Aye-aye-aye! One more thing to have to worry about. I wish credit weren't such a necessary part of modern ife. Thanks for the info, Gene.


Sep 13, 2017 12:48 PM #32
John Wiley
Right Move Real Estate Group- EXP Realty - Fort Myers, FL
Lee County, FL Real Estate GRI, SRES,GREEN,PSA

Thanks Gene for a timely warning and giving us encouragement to follow up on our accounts.

Great advice.

Sep 13, 2017 02:47 PM #33
Jane Peters
Home Jane Realty - Los Angeles, CA
Connecting you to the L.A. real estate market

I did put a credit freeze on in any case. and thanks to you I have just added alerts. As always you provide so much useful information.

Sep 13, 2017 03:34 PM #34
Maureen Bray Portland OR Home Stager ~ Room Solutions Staging
Room Solutions Staging, Portland OR - Portland, OR
"Staging that Sells Portland Homes"

Thanks Gene for your updated blog and detailed advice for those of us included in the Equifax hack.  I'm planning to freeze my credit and hope for the best!!

Sep 13, 2017 04:47 PM #35
Debra Leisek
Bay Realty,Inc Homer Alaska - Homer, AK

Thank you for all the information and warnings to not be complacent. This will cause havoc for years to come!  You may get a record on reblogs! We all want to share this information with our clients, friends and Family!

Sep 14, 2017 12:00 AM #36
Lori Cain
eXp Realty - Tulsa, OK
Midtown Tulsa Real Estate Top Producer

Gene - after reading your first post, I did go ahead and sign up at Equifax; then I purchased a subscription to LifeLock.  I was able to put a credit freeze on Experian - smooth process entering data over phone, but have not yet completed this task on Exquifax or Transunion.

My debit card was hacked a little over a month ago - possibly a result of this freeze or maybe coincidence. Thankfully I caught it after 2 days (total of 4 transactions). This week I've reported 2 suspect charges to PayPal. 

I also went in to individual credit cards and set up alerts. A few had options to be text messaged for all purchases made online or over the phone. 

Thanks for all the great suggestions and resources.  This is not a matter to be taken lightly. 

Sep 14, 2017 03:37 AM #37
Gary L. Waters, Broker Owner, Waters Realty of Brevard, LLC
Waters Realty of Brevard, LLC - Rockledge, FL
... a small office, delivering big service!

I, and my wife, were potentially compromised. Previously monitored credit but now stepped up more.  Thanks!

Sep 14, 2017 07:49 AM #38
Pat Glass
Dagny's Real Estate - Wilton, CT

Great and timely advice for all of us to be much more vigilant. Thanks for the "Heads Up"

Sep 14, 2017 11:36 AM #39
Rebecca Gaujot, Realtor®
Perry Wellington Realty, Adam Conrad, Broker - Lewisburg, WV
Lewisburg WV, the go to agent for all real estate

This is sage advice and looks like I have more to do,

Sep 14, 2017 05:03 PM #40
Eva B. Liland with Century 21 Doug Anderson
Century 21 Doug Anderson - Lancaster, CA
Glad to be of Service

Thanks for this post, one and done, I think not. Will do a reblog and post it on Facebook where I will boost my post.

Sep 16, 2017 01:47 AM #41
Kathy Streib
Room Service Home Staging - Delray Beach, FL
Home Stager - Palm Beach County,FL -561-914-6224

Gene- I hope that everyone reads this and follows what you've said. A few weeks ago I was concerned that my information might have been compromised and called to put a hold on new credit for 90 days. I'm in the process of changing passwords (Larry will cringe but too bad. )

Sep 16, 2017 01:13 PM #42
Debbie Reynolds
Platinum Properties - Clarksville, TN
Your Dedicated Clarksville TN Real Estate Agent

This will take constant watching and monitoring. Great post, Gene.

Sep 17, 2017 07:06 PM #43
Stavrula "Sam" Crafa, RNC,GRI, CDPE, PSA
Future Home Realty - Seminole, FL
Providing the integrity and service you deserve.

I signed up for the credit monitoring. This is the second time this year the my info may have been compromised. Frustrating to say the least. Thanks for the suggestions. 

Sep 17, 2017 08:38 PM #44
Jan Green
Value Added Service, 602-620-2699 - Scottsdale, AZ
HomeSmart Elite Group, REALTOR®, EcoBroker, GREEN

Thank you Gene for staying on top of feedback, information, and for providing such great information!  Invaluable!

Oct 02, 2017 02:21 PM #45
Laura Cerrano
Feng Shui Manhattan Long Island - Locust Valley, NY
Certified Feng Shui Expert, Speaker & Researcher

There are quite a few nuances of the situation and I totally understand that truly. Love and light!

Oct 04, 2017 10:46 PM #46
Tony and Suzanne Marriott, Associate Brokers
BVO Luxury Group @ Keller Williams Arizona Realty - Scottsdale, AZ
Serving Scottsdale, Phoenix and Maricopa County AZ

Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi "Too many assume that if they check their credit and finances now ... and find no current signs of problems ... that they are in the clear.  That they can breathe a sigh of relief ... Sadly, that's not true."

Right on target - and - re-blog!

Oct 11, 2017 05:51 AM #47
Sandy Padula and Norm Padula, JD, GRI
Realty National - Carlsbad, CA
Presence, Persistence & Perseverance

Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi I already froze my credit and was angry that Transunion charges $10 for that service. Also purchased Zander Insurance.

Oct 11, 2017 06:06 AM #48
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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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