The RDFA Release

Equifax Cybersecurity Breach

We wanted to pass this along to you in light of the story that broke late last week regarding Equifax’s large-scale cybersecurity breach:



As you can imagine, we have received several questions from concerned clients about this situation.  Here are the steps that we recommend.


First, we would suggest that if you have not checked your credit report recently then start there.  You can do this for free at  Please note that is NOT a free service, despite the name.  You are able to get a free report from each of the three credit bureaus once each year, and now could be a good time to pull your report to make sure nothing appears to be out of line.


Next, we often suggest that people freeze their credit with each of the three credit bureaus.  This makes it where no new credit can be opened up under your Social Security Number.  There is a small charge for each freeze of $5 - $10 for each of you to place the freeze on your accounts.  If you need to open new credit in the future (car purchase, second mortgage, etc.) you can then suspend the freeze temporarily.  The links to each bureau for the freeze are as follows:


If you take this step, it is imperative that you keep the login and pin information, as you will need this if you ever need to suspend the freeze.  Consider keeping it in a safe place, and then also scanning it to a different secure location.

Here is an article that we wrote previously about this topic:


Should you have any questions about this, or anything else, please do not hesitate to call or email.




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RDFA is an Ohio corporation registered as an Investment Adviser with the Securities and Exchange Commission, located in Washington, D.C. Information regarding RDFA and its filing with the Securities and Exchange Commission can be viewed through the Investment Adviser Public Disclosure website, located at:

John K. Ritter, Jeffrey E. Daniher, Gregory T. Busch, Ronda L. Koehler and Michele R. Daniher are Registered Financial Advisors with NAPFA, the National Association of Personal Financial Advisors. As such, they adhere to NAPFA's strict guidelines regarding full disclosure and acting in the best interest of the client at all times. They are also Certified Financial Planner Licensees, and are therefore entitled to use the CFP mark and logo.