I couldn't get past the damned captcha. It would verify and then start the silly thing all over again.transunion and experian timed out or something.
exifax couldn't get to the site...
I couldn't get past the damned captcha. It would verify and then start the silly thing all over again.transunion and experian timed out or something.
exifax couldn't get to the site...
I was able to put a freeze at all 4 for both of us. Is there an reason to do toddlers?
yea, i got some info in, but then 2 bombed.
told me to call them.
now it's got me worried....
I was able to put a freeze at all 4 for both of us. Is there an reason to do toddlers?
No, there's one more, innovisUsually young people will be "ghosts" at the credit reporting agencies, meaning they won't even recognize them. I checked my boys when they were 15-16 and they didn't show up. At least that's how it was 8-10 years ago
I am sure all three websites are slammed right now. Probably completely overloaded. Give it a day or two.
There's only three. Equifax, Transunion, and Experian.
Interesting, and thanks. I just looked them up. That's all we need, another database to be breached. They've not been a factor in my credit freezing/unfreezing in ten years but as a small player keeping a database I guess they shouldn't be overlooked.No, there's one more, innovis
Just a couple months ago I checked whether my kids (one a teenager) had files at the big 3, an they did not.I was able to put a freeze at all 4 for both of us. Is there an reason to do toddlers?
If I recall correctly, I read on the consumer site clarkhoward.com that unless there is fraud, as in someone using their identity fraudulently, they won't create an "active" file for a minor.I was able to put a freeze at all 4 for both of us. Is there an reason to do toddlers?
Not true, it specifically states that this instance of breach is not included in any opt out.Rumor now is the free service may be a secret opt out of any future class action law suit.
I also froze all 4 agencies and opted out of pre-approved offers. We are not borrowing anything for the foreseeable future and with Eqfx and TU it is easy to unlock by logging into their services which are free. Exp is just a PIN and is easy as well. Peace of mind anyway.I signed up my wife and I both for their free service. Will keep it monitored and all but it is becoming apparent that no information is safe.
My business banker says never use your debit card at fuel pumps.
She says that it is much worse because that money is gone until you can get the bank to put it back, can take weeks. Your checking can have huge fees, checks bounce and general mayhem until straightened out. With a cc, you do not have to do anything except pay the minimum payment until it is straightened out and there are no impacts to your checking.Even if you use it as a credit card?
Rumor now is the free service may be a secret opt out of any future class action law suit.
And BOOMAny word on if the security freeze codes (of people who had frozen their credit prior to this event) were part of the hack?
Any word on if the security freeze codes (of people who had frozen their credit prior to this event) were part of the hack?
@Don the issue is card skimmers which are hard to detect.She says that it is much worse because that money is gone until you can get the bank to put it back, can take weeks. Your checking can have huge fees, checks bounce and general mayhem until straightened out. With a cc, you do not have to do anything except pay the minimum payment until it is straightened out and there are no impacts to your checking.
I was able to go to the big 3 and put on the Freeze.......hope its not to little to late.
@Don the issue is card skimmers which are hard to detect.
She recommended having a card for fuel only...
And a card for everyday purchases like groceries...
And paying them both off every month, never pay interest plus earn a % back.
This gives you really good protection from being a victim and having your checking wiped out.
Any word on if the security freeze codes (of people who had frozen their credit prior to this event) were part of the hack?
I would think that they would inform you of any change.I got paranoid and signed up for lifelock, then froze things. Does lifelock inform you if there's an unfreeze?
Equifax: woeful PINs put frozen credit files at risk
Good grief. I went back and looked at my Equifax security freeze pin from a few years ago, and sure enough it's a bloody timestamp. My Experian and Transunion pins seem more random.
Unbelievable that a company entrusted with so much personal data has been so lax with security.
Equifax: woeful PINs put frozen credit files at risk
Good grief. I went back and looked at my Equifax security freeze pin from a few years ago, and sure enough it's a bloody timestamp. My Experian and Transunion pins seem more random.
Unbelievable that a company entrusted with so much personal data has been so lax with security.
Speaking of this, I saw a report on another site that said the executives sold a bunches before the news release.Want to buy some Equifax stock?
A few of them did. It may be true that those that did were unaware. Problem is that one of them was on the Board. So their lousy security experiences the greatest data breach in history and they didn't tell their Board? They will have a lot of explaining to do, both in court and in Congress.Speaking of this, I saw a report on another site that said the executives sold a bunches before the news release.
I'm sure those funds are out of the country and out of reach,
And again, many companies that track us do so in secret, without our knowledge and consent. And most of the time we can't opt out. Sometimes it's a company like Equifax that doesn't answer to us in any way. Sometimes it's a company like Facebook, which is effectively a monopoly because of its sheer size. And sometimes it's our cell phone provider. All of them have decided to track us and not compete by offering consumers privacy. Sure, you can tell people not to have an e-mail account or cell phone, but that's not a realistic option for most people living in 21st-century America.
The companies that collect and sell our data don't need to keep it secure in order to maintain their market share. They don't have to answer to us, their products. They know it's more profitable to save money on security and weather the occasional bout of bad press after a data loss. Yes, we are the ones who suffer when criminals get our data, or when our private information is exposed to the public, but ultimately why should Equifax care?
Market failures like this can only be solved through government intervention. By regulating the security practices of companies that store our data, and fining companies that fail to comply, governments can raise the cost of insecurity high enough that security becomes a cheaper alternative. They can do the same thing by giving individuals affected by these breaches the ability to sue successfully, citing the exposure of personal data itself as a harm.
My favorite comeback to our CEO when he talked about diversity on our executive team was: imagine if an NBA team followed a diversity protocol and hired white athletes! no reply!View attachment 23037
(Narrator reads story of 2017) "And suddenly, the poor nerdy kid who got fired from Google was validated 100 percent in saying that forcing diversity hurts the workplace, the workers, and the consumer. And maybe we should put the best candidate in, instead of the candidate with the popular skin color or gender".
My favorite comeback to our CEO when he talked about diversity on our executive team was: imagine if an NBA team followed a diversity protocol and hired white athletes! no reply!
you got that right about basketball being awful. I used to watch the NFL but stopped that too after the thugs staying seated, raising a fist or kneeling during the National Anthem. The NFL owners care only about the $, they are the bosses and could tell these thugs: you work for this organization and you will do what I ask you to do. imagine if I had showed up in the office wearing gym shorts and a wife beater shirt...well, I did break the rules and had a firearm in my briefcase but that was not in the openI would probably watch the DNBA, Dwarf-NBA, no who am I kidding basketball is awful