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What You Need to Know About the Equifax Data Breach

Posted By Kenyatta Turner, LegalShield Independent Associate, Friday, September 15, 2017

What you need to know about the Equifax Data Breach:

Equifax, Inc – a major credit bureau, announced on Thursday, 9/7/17, that a massive data breach was discovered in July, which may have exposed names, birth dates, Social Security numbers and addresses of approximately 143 million U.S. consumers. The current US population is approximately 326 million, so this data breach potentially affected 44% of Americans! In addition, a smaller amount of driver’s license numbers, credit card numbers and certain documents were obtained. The breach lasted from mid-May to July of 2017.

This is just the latest example of how, no matter how careful you are, there are forces beyond your control that can still lead to your personally identifiable information being exposed.

At IDShield, we know how stressful data breaches are, and we are here to help.  As a member, please know:

  • You have full access to our dedicated and experienced licensed private investigators to ask any questions and get help if you are worried that you are a victim of fraud.
  • You have proactive credit monitoring through Experian and will be alerted if there are any changes to their credit report.

If you are not a member of IDShield, there are still steps that you can take to provide an extra layer of security.

  • First, set up a fraud alert. This will reduce the chance of a fraudster opening a credit or loan account in your name. If you place the alert with one bureau, they will ensure its placed on the other bureaus as well. Fraud alerts last for 90 days, but can be renewed. You can search online for placing a fraud alert and select one of the main bureaus to set it up through. To sign up via Experian, use this link: https://www.experian.com/fraud/center.html. To sign up via TransUnion, use this link: https://www.transunion.com/fraud-victim-resource/place-fraud-alert.
  • Second, be diligent. Don't give out your personal information if it sounds fishy. IDShield members, if you're unsure, this is a great time to call your licensed private investigator for advice!
  • Third, change your passwords for online banking and other finance accounts. This will reduce the risk of your money or assets being moved fraudulently. As you change your password, use your IDShield Vault password manager to generate a new strong password!

And of course, if you don’t yet have IDShield, this is a great time to sign up for comprehensive identity protection and full service, white glove restoration. Visit www.idshield.com to learn more!

 

I'm here to help, so please do not hesitant to contact me!

Kenyatta Turner, LegalShield / IDShield Independent Associate, 602-367-1069

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Tags:  data breach  financial  financing  fradulent  fraud  hackers  identity protection  law  lawyer  Legal  legal advice  legal services  legalshield  lending  loans 

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Federal Law Alert: New I-9 Form Released

Posted By Kristi Feist, Payday HCM, Monday, January 30, 2017

The new I-9 form was released recently. It may now be used, although the old form will remain valid through January 21, 2017. After that date, you must use the new form. We recommend you train all employees who are responsible for completing the I-9 and start to use it for new hires as soon as possible.

A few important notes about this new form:

  1. While the new I-9 is intended to be completed as a fillable PDF to reduce errors, it should not be confused with an electronic I-9. An employer must still print the completed I-9, obtain the appropriate signatures (which are not fillable via PDF), monitor reverifications, and retain the form for the proper retention period. Employers and employees may choose to complete any or all of the form by typing into the fillable PDF or using a pen to fill out sections after the document has been printed. Documents that are partly printed and partly handwritten are acceptable. If using an electronic version of the I-9, employers must still comply with the U.S. Citizenship and Immigration Services¹ criteria to be certain of the integrity of the electronic system. 
  2. Do not reverify current employees due to the new form. Use the new I-9 only for newly hired employees and when you are required to reverify temporary work authorization. Additionally, all previous forms must still be retained for the proper retention period. The form must be retained for as long as the employee works for you, plus three years after their hire date or one year after their termination date, whichever is later.
  3. To download the form from the USCIS website (uscis.gov/i-9), right click on the link to the new form‹³Form I-9 (PDF, 535 KB)² ­ and select the ³Save link as² option. This will allow you to save the PDF and open it in a PDF reader. Clicking to open it in a web browser (as you would with most links) will result in an error page.
Notable changes to the form itself include the following:
  • When completed electronically, there are prompts to ensure information is entered correctly. For example, the form will validate that the correct number of digits are entered for an employee¹s Social Security number and various expiration dates. Calendars and drop-down lists also include electronic assistance.
  • The form includes on-screen instructions for each field as well as easy access to the full instructions.
  • In Section 1, employees must only provide other last names used, as opposed to all other names used. 
  • Below an employee¹s signature line, they must indicate via checkbox whether a Preparer and/or Translator was used to complete Section 1. Multiple preparers/translators can now be entered into Section 1 if needed.
  • There is a dedicated area for including additional information (when required) rather than having to add it in the margins.
  • In Section 2, employers will find a new ³Citizenship/Immigration Status² field in the first line with numbers one through four. These numbers correlate directly to the employee¹s selected citizenship or immigration status entered in Section 1. If you use the fillable version of the form, the corresponding digit will pre-populate. If you use a paper version, enter the corresponding digit in this field. These fields (the top line of Section 2) help to ensure that the two pages of an employee¹s Form I-9 remain together.

The USCIS has yet to release a new Handbook for Employers (M-274) and advises employers to follow the new form instructions for the most up-to-date information. The updated instructions are also available for download on uscis.gov/i-9.

Please contact the HR Professionals at Payday HCM for assistance at 888-2PAYDAY or 505-255-5422

Tags:  financial  legal 

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