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Information on Equifax Cybersecurity Incident

Updated September 21, 2017

On Thursday, September 7, credit-reporting company Equifax announced a cybersecurity incident potentially impacting as many as 143 million people.

Delta Community and other Visa® card issuers receive regular updates when Visa is notified that some of their card numbers may have been exposed as merchants are required to disclose this under the Visa network rules. We use these alerts from Visa to monitor the affected cards more closely to help protect these accounts from fraud. If we learn additional data was compromised beyond the card number, such as the security code on the back of the card and/or the cardholder’s name and address, then we may take the extra, precautionary step of issuing our member a new card. In that instance, we would send the member a new card with instructions on how to activate it and why we felt it was necessary to change their card number.

For members who are concerned about the Equifax compromise, we encourage you to visit their website dedicated to this cybersecurity incident: Through this website, consumers can find out if and how their personal information has been impacted. If you have been affected, you will be invited to enroll in complimentary identity theft protection and credit file monitoring services through an Equifax product.

The security of our members’ data remains a top priority for Delta Community. In addition to working with Visa® Fraud Prevention Services to proactively monitor credit and debit card activity, we offer Identity Theft protection products that guard against criminal, medical and financial fraud. These Identity Theft and fraud monitoring services are completely independent from the program that Equifax is offering to affected customers.

If you are impacted, you may also consider placing a freeze on your credit with all of the following credit reporting agencies. Freezing your credit will prevent those with your personal information from opening accounts in your name. Keep in mind, however, that a security freeze can also delay or interfere with the timely approval of any subsequent requests or applications for new credit, loans or services. You will need to remove or temporarily lift the security freeze before applying for new credit, and this may take a few days and come with a small cost. Learn more about credit freezes from the Federal Trade Commission.

Please be on high alert for impersonators or phishing attempts by fraudsters. Be on the lookout for emails that appear to be from these companies, telling you that you’ve been impacted, or otherwise creating a sense of urgency, and to “click here” for more information. When in doubt, do not click the link and do not download any attachments. Any legitimate company will have another way for you to contact them to be sure the email is safe.

We always encourage members to review their account transaction details regularly and notify us if they see any suspicious activity. You can call us at any time via our toll-free number at 800-544-3328 or locally at 404-715-4725.