MYRTLE BEACH, SC (WMBF) - Businesses in South Carolina can sign up for a free, lifetime credit monitoring service, regardless if they've been affected by the DOR breach.
Half a million of businesses are at risk after a cyber attack on South Carolina's Department of Revenue. The breach exposed millions of individual social security numbers, putting your identity and finances at risk. Now local businesses are worried about how this will affect their company's future.
By registering with Dun and Bradstreet Credibility Corporation, SC businesses can receive a lifetime of credit monitoring for free.
Dun & Bradstreet Credibility Corp:
Usually a paid service, the credit advisors with Dun & Bradstreet Credibility Corporation are offering a free, lifetime service to businesses here in SC, whether or not they have been affected by the DOR breach.
What service is provided, and how long will it last:
It is a FREE Lifetime credit alert and monitoring service. It will let you know if there are any inquiries on your business's credit report. For example, if you have any filings, suits, or leans against you business.
Regardless of the breach, this is a benefit for businesses to clean up and boost their credit score. Even if you weren't affected by the breach, Dun & Bradstreet Credibility Corporation will show any past due amount against your business, even if it's legitimate. Perhaps you forgot about a carpet cleaning, window washing, or any other unpaid fees that are bringing your credit score down, this service will show you what you owe and who you can pay.
What types of reports are included?
Anything regarding your business's credit report history. This includes any inquiries on your credit, suits, leans, filings, or unpaid fees.
Will I be notified by the state if I've been affected?
No. This is a monitoring service. It will not show you if you have been affected, it is for your own peace of mind. You will not get an email for the DOR. Dun & Bradstreet Credibility Corp. is more like a helping hand that guides you in how to go about changing your credit score. You can link it to you cell phone and get alerts if someone tries to access your credit, but otherwise it is up to you to be proactive and work with the credit advisors if you see something suspicious.
Verification methods and disputing charges:
Through Dun & Bradstreet Credibility Corporation, you can go online for a free service to verify any discrepancies, which will take about 30 days. Or you can pay for a verification service that will take 5-7 business days.
Does it affect personal credit?
Many small businesses are the most concerned because they pay out of pocket and their businesses are usually associated with their personal accounts. However, the two are separate. If your business credit is at risk, it will not affect your personal information and vice versa. However, you should continue to monitor both.
Number of calls:
Dun & Bradstreet Credibility Corporation has seen a huge influx of calls starting Thursday night. The entire customer service team has been informed of the situation and has ongoing training. Everyone is trained to deal with SC calls and they are updated hourly. They have also extended their hours.
Average wait time: Right now, you can expect to be on hold for less than a minute. But they are working to make that shorter. They want to provide a quick wait time, but give you time to talk and answer questions. They have no problem answering questions, but encourage people to go online to see everything laid out for their business.
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