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Target free credit report: Latest News

December 23, 2013

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Target free credit report,

The aftermath of one of the largest credit card breaches in United States history might be hitting customers in Las Vegas.

Target customers learned that hackers might have stolen information from more than 40 million customer’s credit or debit cards. The unauthorized access happened from Nov. 27 to Dec. 15.

Las Vegas resident Marilyn McLaughlin says her card was compromised after shopping at a Target in California. On Saturday, she says a Western Union transfer appeared on her account. She says $1,094 disappeared from her account after the authorized transfer.

McLaughlin says when she called her bank looking for answers, she was told the money was transferred to Canada. She’s working with Bank of America trying to get things straightened out.

Target is apologizing for the trouble online and through emails sent to customers. The company’s CEO said customers won’t be responsible for fraudulent charges. He said that will be up to Target and the customers’ banks.

The breach is the reason Chase opened one third of its banks on the Sunday before Christmas. The company was reissuing affected debit cards on the spot.

Chase, Bank of America and other banks are urging customers to keep a close eye on their accounts and report strange activity as soon as possible.

McLaughlin says she’s still working with her bank to get the money back. She feels lucky that the missing money won’t ruin Christmas for her family.

“I will use cash more often. I will not use my debit card like I used to,” McLaughlin said. She said her bank told her the money will be back in her account by Friday.

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Target.offered.a.10.percent.discount.to.all.customers.this.weekend.in.light.of.the.hack.They’re.still.urging.customers.to.be.vigilant.in.checking.their.bank.accounts.The.company.recommends.affected.customers.get.a.free.credit.report.by.visiting.AnnualCreditReport.

Target free credit report: So,in.the.spirit.of.making.things.easier.for.those.of.you.in.the.trenches,here’s.a.brief.email.you.can.share.that.covers.the.Target.breach.

By.now,word.of.Target’s.breach.has.become.the.subject.of.interest.at.the.water.cooler.and.in.the.break.room.It’s.a.good.bet.that.some.of.the.staff.have.come.to.the.security.team.(or.IT.pulling.double.duty).with.questions.

So,in.the.spirit.of.making.things.easier.for.those.of.you.in.the.trenches,here’s.a.brief.email.you.can.blast.to.the.company.that’ll.cover.the.basics.of.Target’s.breach.and.answer.some.of.the.common.questions.

Background:

As.you.may.have.heard,Target.recently.confirmed.a.security.incident,in.which.criminals.accessed.data.for.up.to.40.million.credit.and.debit.cards.As.the.news.reports.have.noted,the.risk.is.that.criminals.may.create.cloned.cards,and.use.the.compromised.card.data.to.make.fraudulent.purchases.

The.incident.itself.took.place.between.November.27.and.December.15,2013.So.if.you.did.any.holiday.shopping.at.Target.during.this.time,you.may.be.impacted.by.this.theft.Also,only.those.who.were.physically.in.a.Target.store.on.these.dates.are.potentially.involved.Shoppers.in.Canada.or.on.Target.com.did.not.have.their.information.accessed.
Target.says.that.the.data.accessed.by.the.criminals.includes.you.name,credit.card./.debit.card.number,expiration.date,and.CVV.However,Target’s.language,during.the.first.wave.of.details.released.to.the.public,wasn’t.clear.on.what.CVV.data.entails.

They’ve.since.clarified,but.it.is.important.that.you.understand.that.the.criminals.accessed.a.code.used.during.the.approval.of.a.physical.transaction.-.known.in.the.retail.industry.as.CVV1,and.not.the.security.code.on.the.back.of.your.card,which.is.known.as.CVV2.

Next.Steps:

It’s.important.that.Target’s.security.problems.do.not.cause.you.any.undue.stress.

While.the.incident.is.serious,consumer.protection.laws.in.the.U.S.mean.that.you.are.not.liable.for.fraudulent.charges.to.your.credit.card.due.to.this.incident.Again,you.have.ZERO.liability.With.that.said,debit.cards.are.a.bit.different,and.you.should.talk.to.your.bank.about.any.liability.Most.banks.will.say.zero.liability;.others.may.set.a.limit.of.$50.or.so.

Also,if.you.were.visiting.the.U.S.and.shopped.with.Target.during.the.aforementioned.timeframe,you’ll.need.to.speak.with.your.financial.institution.about.options,but.odds.are.you’re.covered.too,and.won’t.be.held.liable.for.fraud.

If.you.notice.charges.that.you.didn’t.make.appear.on.your.bank.or.credit.card.statement,report.them.immediately.by.contacting.the.bank.that.issued.the.card,and.they’ll.help.you.get.things.sorted.If.you.have.a.Target.REDcard.and.notice.suspicious.charges,then.you’ll.need.to.contact.Target.directly.at.866-852-8680.

Again,only.your.name,card.number,expiration.date,and.CVV1.data.was.compromised.The.criminal(s).behind.the.attack.on.Target.didn’t.get.anything.else.about.you.So.there.is.no.risk.to.your.Social.Security.Number,address,phone.number,date.of.birth,etc.

Finally,Target.will.offer.you.free.credit.monitoring.for.one.year,if.you.want.to.take.advantage.of.it.They.say.they’ll.be.reaching.out.to.you.directly.in.the.coming.weeks.once.the.service.has.been.set.up.However,from.the.way.things.were.worded,only.U.S.residents.will.be.eligible.for.the.monitoring.services.

What.not.to.do:

Do.not.cancel.your.credit.or.debit.cards.due.to.this.incident.You.don’t.need.to.All.of.the.major.banks.are.aware.of.what.happened.at.Target.For.example,PNC.Bank.is.already.issuing.notices.to.customers.offering.them.additional.information,but.if.you’re.concerned.call.your.bank.and.they’ll.help.you.get.things.taken.care.of.

Don’t.panic.

While.being.aware.of.the.potential.risk.created.by.Target’s.incident.makes.sense,panic.does.not.Keep.an.eye.on.your.statements,and.report.anything.that.looks.suspicious.Again,you.have.ZERO.liability.for.fraudulent.charges.to.your.credit.card,and.in.all.likelihood,the.same.will.apply.to.your.debit.cards.Just.speak.to.your.bank, target free credit report.

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