equifax
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Cargo Master
Joined: Apr 2003
Posts: 3,476
Likes: 224
From: Frequently frozen MN
equifax
Since the equifax data breach, they have set up a web site to talk about options.
One of the options is to enter the ;ast 6 of your SS# to check to see if you were nailed. I'm pretty reluctant to do that. Has anybody here tried it?
They also will enroll you in some free ID theft plan. I've done this with other possible breaches, and nothing ever came of it. Possibly I will enroll, but maybe not -- they might have lost my data once already.
Thoughts?
hj
One of the options is to enter the ;ast 6 of your SS# to check to see if you were nailed. I'm pretty reluctant to do that. Has anybody here tried it?
They also will enroll you in some free ID theft plan. I've done this with other possible breaches, and nothing ever came of it. Possibly I will enroll, but maybe not -- they might have lost my data once already.
Thoughts?
hj
Tuned
Joined: Dec 2014
Posts: 326
Likes: 17
From: Florida
Since the equifax data breach, they have set up a web site to talk about options.
One of the options is to enter the ;ast 6 of your SS# to check to see if you were nailed. I'm pretty reluctant to do that. Has anybody here tried it?
They also will enroll you in some free ID theft plan. I've done this with other possible breaches, and nothing ever came of it. Possibly I will enroll, but maybe not -- they might have lost my data once already.
Thoughts?
hj
One of the options is to enter the ;ast 6 of your SS# to check to see if you were nailed. I'm pretty reluctant to do that. Has anybody here tried it?
They also will enroll you in some free ID theft plan. I've done this with other possible breaches, and nothing ever came of it. Possibly I will enroll, but maybe not -- they might have lost my data once already.
Thoughts?
hj
Post Fiend
Joined: Apr 2002
Posts: 19,311
Likes: 97
From: Waterloo, Iowa
"Free ID Theft Plan"
LOL!!! Thanks for nothin', a little too late for that guys. Jeeze Louise. Between the government giveaways - OPM database (for just a single notable example) was outsourced by our wonderful government to a foreign country - including access to root - and all the other hacks, known and unknown over the years etc., it's really a question of whose personal information hasn't been stolen. All the software and apps that we use are all data mining and selling our personal info - if something is "free", guess what - you're the product.
What happens if "Lifelock" gets hacked? What makes them so special? Equifax was a "credit protection" service.
LOL!!! Thanks for nothin', a little too late for that guys. Jeeze Louise. Between the government giveaways - OPM database (for just a single notable example) was outsourced by our wonderful government to a foreign country - including access to root - and all the other hacks, known and unknown over the years etc., it's really a question of whose personal information hasn't been stolen. All the software and apps that we use are all data mining and selling our personal info - if something is "free", guess what - you're the product.
What happens if "Lifelock" gets hacked? What makes them so special? Equifax was a "credit protection" service.
Lead Driver
Joined: Jul 2013
Posts: 9,266
Likes: 149
From: In the field...
Not really...
Equifax Inc. is a consumer credit reporting agency in the United States, considered one of the three largest American credit agencies along with Experian and TransUnion. Founded in 1899, Equifax is the oldest of the three agencies and gathers and maintains information on over 800 million consumers and more than 88 million businesses worldwide
Post Fiend
Joined: Apr 2002
Posts: 19,311
Likes: 97
From: Waterloo, Iowa
Yes really.
https://www.equifax.com/personal/pro...eft-protection
Everybody knows about the credit reporting part, but it's a moot point now, 250 million people's personal data is stolen. Again. Note that this isn't really a voluntary arrangement in a lot of these cases, the credit reporting agencies just compile all this stuff on us whether we want them to or not. And when they **** up, oh well too bad so sad.
https://www.equifax.com/personal/pro...eft-protection
Everybody knows about the credit reporting part, but it's a moot point now, 250 million people's personal data is stolen. Again. Note that this isn't really a voluntary arrangement in a lot of these cases, the credit reporting agencies just compile all this stuff on us whether we want them to or not. And when they **** up, oh well too bad so sad.
Thread Starter
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Cargo Master
Joined: Apr 2003
Posts: 3,476
Likes: 224
From: Frequently frozen MN
Well, I read more articles about this.
1. If equifax signs you up for id protection, they seem to use 'arbitration' to settle disputes. Not my favorite
2. Reports say that checking your exposure may not give repeatable results.
3. I decided that I didn't want to sign on to anybody who already might have lost my data.
In the end, I put a temporary freeze on using one of the other agencies. Can be revoked (I hope only by me!). Added benefit -- no credit card solicitation while it's working.
It's possible that some large outfit (R- word?) has done this and will patiently wait for all of the smoke to die down. If so, not a lot that you can do about it, I gues.
hj
1. If equifax signs you up for id protection, they seem to use 'arbitration' to settle disputes. Not my favorite
2. Reports say that checking your exposure may not give repeatable results.
3. I decided that I didn't want to sign on to anybody who already might have lost my data.
In the end, I put a temporary freeze on using one of the other agencies. Can be revoked (I hope only by me!). Added benefit -- no credit card solicitation while it's working.
It's possible that some large outfit (R- word?) has done this and will patiently wait for all of the smoke to die down. If so, not a lot that you can do about it, I gues.
hj
Moderator
Joined: May 2007
Posts: 158,553
Likes: 12,038
From: Greenfield, MA
I also froze on everything...nothing happens unless I OK it. Equifax has apparently backed off the "arbitration" clause...say they won't ban lawsuits from those affected. We'll see. I foresee a bankruptcy in their future to protect them from the lawsuits that are bound to happen.
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Post Fiend
Joined: Apr 2002
Posts: 19,311
Likes: 97
From: Waterloo, Iowa
Right, it's my understanding once you sign up for "free" credit monitoring you've also signed away their liability. Nice, huh?
Note the OPM "hack" (strictly speaking they gave it away) where somewhere around 25 million federal employees past and present had all of their sensitive personal and personnel information outsourced to a foreign government, the "free" credit monitoring was performed by Equifax. So that's doubleplus good.
A complete lockdown of credit is probably important at this point, at least for some folks. Depends on individual situation and exposure, and how much you stand to lose.
I've always used CC accounts as a pass through and keep bank info off the internet when possible.
Never liked the idea of "credit monitoring" services, I shouldn't have to pay a subscription for something the banks should be doing. And what happens if the credit monitoring service is hacked? We're going to find out I guess.
Note the OPM "hack" (strictly speaking they gave it away) where somewhere around 25 million federal employees past and present had all of their sensitive personal and personnel information outsourced to a foreign government, the "free" credit monitoring was performed by Equifax. So that's doubleplus good.
A complete lockdown of credit is probably important at this point, at least for some folks. Depends on individual situation and exposure, and how much you stand to lose.
I've always used CC accounts as a pass through and keep bank info off the internet when possible.
Never liked the idea of "credit monitoring" services, I shouldn't have to pay a subscription for something the banks should be doing. And what happens if the credit monitoring service is hacked? We're going to find out I guess.
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Postmaster
Joined: Mar 2011
Posts: 2,698
Likes: 7
From: Taxachusetts
Welcome to the wonderful world of electronic technology! The gubbint has been hacking us for decades....cell phones (I don't/won't have one), internet searches (Google, Facebook, etc), e-mail, even land-line phones and "smart" electrical meters. Not to mention the cameras everywhere and the "black boxes" in our newer vehicles........all under the pretense of "It's for your safety."
HA!!!! For our "safety!" My Great Aunt's dead cooter!!!!
I don't/won't subscribe to those "free" credit karma, equifux, et al, spying pasture patty goobers. They're as bad as the Homeland Spying Agency....and any other three alphabet gubbint agencies.
I know they'll spy/watch/keep track of us anyway but I don't have to make it any easier for 'em.
HA!!!! For our "safety!" My Great Aunt's dead cooter!!!!
I don't/won't subscribe to those "free" credit karma, equifux, et al, spying pasture patty goobers. They're as bad as the Homeland Spying Agency....and any other three alphabet gubbint agencies.
I know they'll spy/watch/keep track of us anyway but I don't have to make it any easier for 'em.
Fleet Owner
Joined: Jul 2006
Posts: 20,377
Likes: 844
From: Mi'kma'ki
Doesn't it say something like "It appears you may have been one of the compromised" ......then follow these instructions,as to how to enroll etc.etc. At least this was the bit I got,when I entered......Oh joy.I have impeccable credit.These fools better not leave us all compromised like this.
Fleet Owner
Joined: Jul 2006
Posts: 20,377
Likes: 844
From: Mi'kma'ki
OMG!
Cargo Master
Joined: Jan 2004
Posts: 2,512
Likes: 8
From: Cook Forest and Irwin PA
I was a victim of the OPM hack which included my SF86. Get that and you have enough data to re-issue a birth certificate and drivers license so I am covered under that protection. and I got another house this year so I am under the equifax hack, BUT, if you accept their offer, you also agree not to sue.
equifax CEOs knew about this for WEEKS and unloaded all their stock before announcing. I say life in prison without parole. This was worse than the sub prime crash.
equifax CEOs knew about this for WEEKS and unloaded all their stock before announcing. I say life in prison without parole. This was worse than the sub prime crash.
Fleet Owner
Joined: Jul 2006
Posts: 20,377
Likes: 844
From: Mi'kma'ki
With the angry glare of the public eye squarely focused on Equifax after announcing a massive breach, the company is waiving fees on credit freezes. Which is good news because it's the only thing that's going to save your bacon.
"If there is a breach and you're concerned about identity theft, credit monitoring is not the most effective measure," Chi Chi Wu, a lawyer with the National Consumer Law Center, told NBC News. "A credit freeze is."
The One Move to Make After Equifax Breach - NBC News
What a PITA! Get on top of it quick guys.Good luck!
I also never knew there was actually a 4th credit bureau so don't forget them!
Besides the three national credit reporting agencies, Equifax, Experian and Trans Union, there is also another important credit agency in the US that maintains a significant database of consumer credit information called Innovis, which is a subsidiary of CBC Companies, aka CBCInnovis.
Innovis - Wikipedia
"If there is a breach and you're concerned about identity theft, credit monitoring is not the most effective measure," Chi Chi Wu, a lawyer with the National Consumer Law Center, told NBC News. "A credit freeze is."
The One Move to Make After Equifax Breach - NBC News
What a PITA! Get on top of it quick guys.Good luck!
I also never knew there was actually a 4th credit bureau so don't forget them!
Besides the three national credit reporting agencies, Equifax, Experian and Trans Union, there is also another important credit agency in the US that maintains a significant database of consumer credit information called Innovis, which is a subsidiary of CBC Companies, aka CBCInnovis.
Innovis - Wikipedia