State Savings Bank

Equifax Data Breach

On September 7, 2017, Equifax, one of the major U.S. consumer credit reporting agencies, disclosed that a cybersecurity incident potentially impacting 143 million U.S. consumers had occurred. Sensitive information believed to have been exposed includes people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. Credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people is also believed to have been exposed.

Was my information stolen?

If you have a credit report, there's a good chance it was. Due to the scale of this incident, Equifax has set up an online impact tool to help consumers determine if their information may be impacted. Since you must enter a portion of your social security number into this tool, please be certain you are on a secure computer and an encrypted network connection if you use it.

When you enter the requested information into this online tool, either the response “Based on the information provided, we believe that your personal information was not impacted by this incident.” or “Based on the information provided, we believe that your personal information may have been impacted by this incident.”

How can I protect myself?

  • Enroll in Equifax's services. You may want to sign up for Equifax’s credit file monitoring and identity protection, TrustedID Premier, being offered to all U.S. Consumers for one year, free of charge. After one year, payment may be required. You should carefully review the Terms and Conditions of this offer before signing up. You can sign up here.
  • Place a Fraud Alert on credit reports. A fraud alert on credit reports requires potential creditors to contact the consumer and obtain permission to open new accounts or lines of credit. There are several different types of fraud alerts. Research the different types and learn how to place an alert on the credit bureau's website. (Website addresses are listed further down this page in the credit freeze section.)
  • Monitor your credit reports. You can order a free copy of your credit report from three of the credit reporting agencies at You are entitled to one free report from each the three bureaus once per year.
  • Monitor your bank accounts. Whether or not you are impacted by this incident, you should always monitor your existing banking accounts and credit cards closely. We recommend you do so through online banking and our mobile app as you do not need to wait for your monthly statement to see your account activity. If you are not currently enrolled, see details here.  If you spot anything of concern, please contact the bank immediately.
  • Setup account alerts. If you enroll in online banking, you can setup alerts when certain events occur. Learn how to setup an alert here.
  • Watch out for scams related to the breach. Do not trust e-mails that appear to come from Equifax regarding the breach. Attackers are likely to take advantage of the situation and craft sophisticated phishing e-mails. Also be wary of unsolicited e-mails from "security companies" indicating your information was exposed in the Equifax breach and offering identity theft monitoring services. Always carefully research a business before signing up for any such services.
  • File your income taxes early. As soon as you have the tax information you need, file your taxes before a scammer can. Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job.


Should I place a credit freeze on my files?

Another available option is to set up security freezes on your credit reports. A security freeze prevents anyone from accessing the credit report. In the event a fraudster attempts to open an account in your name, it will indicate the report is blocked and to contact the credit bureau.

This has to be done at each of the credit bureau sites. Note that this protects you from a person attempting to open new credit in your name but does not prevent fraud from occurring on existing accounts. Also, please be aware that there may be charges associated with freezing and/or unfreezing the report and charges vary by state. Carefully read the documentation on each of the credit bureau sites.


You can call to unfreeze your reports or do it online. You will need the PIN number you set up at the time you set up your freeze so keep all the PIN numbers in a secure place.  Keep in mind, the PIN number will likely be different for each credit bureau.

If you need to open an account requiring a credit bureau inquiry, you will have to contact the credit bureau ahead of time, either on the phone or online, and unfreeze your credit freeze. You can set the "thaw" either for a period of time or for a particular creditor, for example, "State Savings Bank" or "Kohls". Please be aware that credit freezes may limit your ability to respond to an offer “on the fly” such as “Sign up for our credit card today and receive a 20% discount on your purchase.”

At any point you can completely remove a freeze if you decide you no longer want the protection.

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