Answering your credit breach questions - WMBFNews.com, Myrtle Beach/Florence SC, Weather

Answering your credit breach questions

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HORRY COUNTY, SC (WMBF) – Two weeks after Governor Haley announced that the Department of Revenue was hacked and millions of Social Security Numbers are exposed, there are still many unanswered questions.

Should I be opening emails from ProtectMyID.com?

A representative with the company says they will be sending you two emails. The first will provide your username and temporary password. The second will contain information about what services the company will provide you.

They will not be emailing you for any personal information.

It is a retroactive site, meaning they will alert you if anyone is trying to access your credit. However, some people are getting emails from a Gmail account. The only emails from Experian will be from ProtectMyID.com.

"Your best bet if you get emails is to not open them, log onto your account and find the information there," explains Kathy Graham with the Better Business Bureau.

Will Experian be calling me?

No. Even if you register by phone, the company will not be calling you for personal information. So be careful with phone calls asking for your SSN or other personal information.

How can I register if I don't have a computer?

You can register by phone by calling 1-866-578-5422. There will be a recording telling you to go online, but eventually an operator will answer. You need to prove your identity by answering multiple questions regarding your credit history. They will then send you hard copies of your credit report. You need to go through them and fight any suspicious activity.

Do I need to close my bank account?

Local banks say you don't necessarily have to close your account.

According to Carolina Trust Federal Credit Union:

 "With the details currently released by the SC DOR, we do not recommend everyone close and reopen accounts or account cards, especially if it has not been confirmed that your account information was among the data compromised.  However, we will continue encouraging members to safeguard their financial and personal identities and take advantage of the free resources that are made available to them"

The Better Business Bureau recommends if you want additional peace of mind, you can ask your bank to issue you a new account or credit/debit card.

"A lot of people will feel more comfortable closing it down and opening a new one. You should always monitor your online banking, but for people who don't they might want that extra layer of protection and go ahead and change their account number," says Graham.

You should also change your online banking password.

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