If any of your credit information is breached, you might start seeing some odd things on your credit file, such as enquiries for credit you haven’t taken or missed repayments. If that happens, the best thing to do is to contact your credit provider immediately to see if you can sort the issue. If the activity was fraudulent, you could talk to them about getting the amount reversed and fixing your credit information.
Alternatively, you can talk to credit reporter Equifax to sort your information and get it fixed.
What does suspicious activity look like?
Any repayments, credit enquiries or defaults you know or think you didn’t make.
To report the breach, call your credit provider and report the breach. If you lose a credit card or device with passwords, you can also contact your credit provider and report the breach. In the case of a credit card, you’ll need to cancel your card and order a new one.
Your credit report updates monthly at the most, which means if anyone hacks into your account or steals your credit card details, you won’t see that activity immediately. Keep checking your bank statements and other payment details online. Any payments and withdrawals should show up automatically.
You can also set alerts when setting your payment security to notify you in case of any withdrawals or account access from an unfamiliar device, like a laptop or phone you wouldn’t usually use.