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Showing posts with label Equifax. Show all posts
Showing posts with label Equifax. Show all posts

September 14, 2017

PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP

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  3. PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP
Don't take this light either. It's like a 9/11 or Pearl Harbor of the banking and personal information world.

The best thing to do is freeze your credit with Equifax, Transunion, and Experian.

You all need to take this seriously. If you know nothing about Equifax, they are (probably will be a 'was' soon)one of the big three credit bureaus that hold your credit score. Thus you are in their system and if you ever plan to finance anything or get a credit card, you need to be proactive.

http://clark.com/personal-finance-credit/equifax-free-credit-monitoring-data-breach-dont-sign-up/

Like honestly this should be stickied. This kind of information leaking can haunt you for decades

And don't sign up for their free year of credit. It prevents from you getting in on a class action lawsuit.
"All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
I'm only in their system by proxy of my banks giving them my info. I've never signed up for their s***.
Unsugarized_Foo 6 days ago#3
Yell at 'em then
"All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
Hexenherz 6 days ago#4
Here's another good article on why Equifax specifically is doing a terrible job of controlling the damage from this: https://arstechnica.com/information-technology/2017/09/why-the-equifax-breach-is-very-possibly-the-worst-leak-of-personal-info-ever/

EDIT: PS: Thanks TC for posting about freezing credit, I didn't honestly know that was a thing.
(edited 6 days ago)reportquote
itachi15243 6 days ago#5
ChromaticAngel posted...
I'm only in their system by proxy of my banks giving them my info. I've never signed up for their s***.
I do drawings and stuff
https://www.fiverr.com/blueblitz
I don't remember if I ever signed up at Equifax. I did file an initial fraud alert through Experian's site.
"If the day does not require an AK, it is good." The Great Warrior Poet, Ice Cube
Liberals 6 days ago#7
I was just pissed off about having a credit freeze that I never authorized and the pain of having to deal with getting it lifted. Should I consider myself lucky?
#thingsliberalssay
Thrillwell 6 days ago#8
I use TransUnion ... am i ok?
Novus Ordo Seclorum
itachi15243 posted...
ChromaticAngel posted...
I'm only in their system by proxy of my banks giving them my info. I've never signed up for their s***.

Doesn't matter, that's not how credit bureaus work.

Thrillwell posted...
I use TransUnion ... am i ok?

No.
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Hexenherz 6 days ago#10
Thrillwell posted...
I use TransUnion ... am i ok?


It hit 44% of the population (that's EVERYONE, though, not just those over 18 or who minors who might have an established credit history). You're basically better off assuming at this point that your information was affected.
Kingbuffet 5 days ago#11
How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card
Thrillwell posted...
I use TransUnion ... am i ok?

No. Banks will share credit info around with each other.
L0Z 5 days ago#13
how do I freeze my credit? Also if someone has all my information whats stopping them from unfreezing my credit
Kingbuffet posted...
How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card

Freezing your credit means no new accounts can be opened in your name. You can continue to use what already exists.
Kingbuffet posted...
How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card

This is the official site to see if you are effected, from Equifax:
https://trustedidpremier.com/eligibility/eligibility.html

It will also let you enroll in their credit monitoring system free for 1 year if you are.

A credit freeze, to my knowledge, only freezes opening of new lines of credit. It does not effect your ability to use your current lines of credit.
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Master_Bass 5 days ago#16
The Chinese already have all my information anyway. Thanks, OPM. I look at my credit information about once a week anyway, so I'm not worried about someone opening a credit account or loan I won't notice.
Many Bothans died to bring you this post.
(edited 5 days ago)reportquote
Drpooplol 5 days ago#17
Master_Bass posted...
The Chinese already have all my information anyway. Thanks, OPM.

Dude, same. Stupid government.
"Or do you want to know more about my vagina?"
*LIE* "No"
Hexenherz 5 days ago#18
L0Z posted...
how do I freeze my credit? Also if someone has all my information whats stopping them from unfreezing my credit


Read the link in the original post, it explains what to do...
You establish a PIN with the credit agencies that would theoretically not be known to those parties who already possess your leaked information (since it would theoretically be a leaked PIN).
(edited 5 days ago)reportquote
I haven't signed up for that or any of the others
FLUFFYGERM 5 days ago#20
New York Attorney General has confirmed that their attempt at blocking users of their site from the class action lawsuit is NOT legally enforceable.
L0Z 5 days ago#21
well my credit is f***ed now. Goodbye 800
Hexenherz 5 days ago#22
ToadallyAwesome posted...
I haven't signed up for that or any of the others

It literally doesn't matter, if you have a credit card or have ever applied for a loan, you are probably affected in some manner.
MC_BatCommander  tell him to get over it5 days ago#23
Well I put on the 90 day fraud alert. Will consider freezing credit entirely when I get home today. f***ing hell this sucks
The Legend is True!
MACisBack 5 days ago#24
f***, and thanks everyone for the heads up and links.
"There is wife assisted suicide. Get married and every day you die a little more" -teltec
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_BlueMonk 5 days ago#25
lol guys. you can get fraudulent things removed from your account. just sign up for a free credit monitoring service like credit karma and itll tell you when new things pop up. if something pops up you dont recognize, you can dispute things online. or you can call them. its painless.
One in a Million, TWICE!
Dahyun is BEST.
Hexenherz 5 days ago#26
_BlueMonk posted...
lol guys. you can get fraudulent things removed from your account. just sign up for a free credit monitoring service like credit karma and itll tell you when new things pop up. if something pops up you dont recognize, you can dispute things online. or you can call them. its painless.


Well, imo it's easier to pay a few bucks and be proactive about it to stop those fraudulent events from occurring in the first place than playing a reactive role and waiting for it to happen.
L0Z 5 days ago#27
Corrupt_Power posted...
Kingbuffet posted...
How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card

This is the official site to see if you are effected, from Equifax:
https://trustedidpremier.com/eligibility/eligibility.html

It will also let you enroll in their credit monitoring system free for 1 year if you are.

A credit freeze, to my knowledge, only freezes opening of new lines of credit. It does not effect your ability to use your current lines of credit.


I read their terms. You give up right to sue in class action against Equifax if you accept a year of free credit monitoring. I'm not going to give up that right plus I still get a monthly report from AllClearID which sony set up after their massive hack
littlebro07 5 days ago#28
Woooooooooooooooooooooooooo

Glad I already bought a house and car
_BlueMonk 5 days ago#29
Hexenherz posted...
Well, imo it's easier to pay a few bucks and be proactive about it to stop those fraudulent events from occurring in the first place than playing a reactive role and waiting for it to happen.

yeah, that's fair. im just saying its not the hellstorm to their credit that everyone is talking about. you're not going to get 5 new accounts every day on your account (no way it'd be approved). 

but i would expect auto-approvals to decline, and more difficult security questions (i once asked to say which street was near an address i lived 2 years prior. it was strange)

and lets be honest. the hackers already have the information.
One in a Million, TWICE!
Dahyun is BEST.
L0Z posted...
Corrupt_Power posted...
Kingbuffet posted...
How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card

This is the official site to see if you are effected, from Equifax:
https://trustedidpremier.com/eligibility/eligibility.html

It will also let you enroll in their credit monitoring system free for 1 year if you are.

A credit freeze, to my knowledge, only freezes opening of new lines of credit. It does not effect your ability to use your current lines of credit.


I read their terms. You give up right to sue in class action against Equifax if you accept a year of free credit monitoring. I'm not going to give up that right plus I still get a monthly report from AllClearID which sony set up after their massive hack

https://twitter.com/AGSchneiderman/status/906195350532304896
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P4wn4g3 5 days ago#31
Not sure what Federal loans use.
Edit: apparently it's TransUnion
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(edited 5 days ago)reportquote
P4wn4g3 posted...
Not sure what Federal loans use.

They plug into credit bureaus as well, my federal student loans show up on my credit reports. You should check if you were effected.
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CADE FOSTER 5 days ago#33
They said half of america would be affected which is f***ing scary our cyber security is absolute dog s*** instead of building a border wall we should build a cyber one that will protect our data
I am going to sue them for millions
P4wn4g3 5 days ago#35
Corrupt_Power posted...
P4wn4g3 posted...
Not sure what Federal loans use.

They plug into credit bureaus as well, my federal student loans show up on my credit reports. You should check if you were effected.

I haven't been affected yet. What should I do now? I just signed up with credit karma.
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https://www.gamefaqs.com/boards/851-dark-aether
DrizztLink 5 days ago#36
P4wn4g3 posted...
Corrupt_Power posted...
P4wn4g3 posted...
Not sure what Federal loans use.

They plug into credit bureaus as well, my federal student loans show up on my credit reports. You should check if you were effected.

I haven't been affected yet. What should I do now? I just signed up with credit karma.

If you're not effected, you should be ok. Equifax says they've contained the breach, so if your info wasn't exposed already, or they don't have anything on you, you should be ok. Just stay aware of your credit and check it now and then, which you should be doing already anyway.
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P4wn4g3 5 days ago#38
Corrupt_Power posted...
P4wn4g3 posted...
Corrupt_Power posted...
P4wn4g3 posted...
Not sure what Federal loans use.

They plug into credit bureaus as well, my federal student loans show up on my credit reports. You should check if you were effected.

I haven't been affected yet. What should I do now? I just signed up with credit karma.

If you're not effected, you should be ok. Equifax says they've contained the breach, so if your info wasn't exposed already, or they don't have anything on you, you should be ok. Just stay aware of your credit and check it now and then, which you should be doing already anyway.

I'm just going off what credit karma is saying. The trusted premier page said I could or could not be affected, it wasn't very helpful.
Hive Mind of Dark Aether, the unofficial Metroid Social Private board.
https://www.gamefaqs.com/boards/851-dark-aether
DrizztLink posted...
Did USAA get hit?

That's not how credit bureaus work. If you have, or have ever had, any sort of credit, there's a decent chance Equifax has something on you. Credit bureaus all share information between each other, and all credit-related things get reported to them. This breach is effecting nearly half of the entire US population. Think about that.
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P4wn4g3 posted...
Corrupt_Power posted...
P4wn4g3 posted...
Corrupt_Power posted...
P4wn4g3 posted...
Not sure what Federal loans use.

They plug into credit bureaus as well, my federal student loans show up on my credit reports. You should check if you were effected.

I haven't been affected yet. What should I do now? I just signed up with credit karma.

If you're not effected, you should be ok. Equifax says they've contained the breach, so if your info wasn't exposed already, or they don't have anything on you, you should be ok. Just stay aware of your credit and check it now and then, which you should be doing already anyway.

I'm just going off what credit karma is saying. The trusted premier page said I could or could not be affected, it wasn't very helpful.

It said could or could not? That's amazingly vague, and f***ing stupid.

Going forward, I would just keep a close eye on your credit. I believe Credit Karma has a free system that will notify you of changes to your credit report, I would take advantage of that. I would also seriously consider freezing your credit profiles if you have no intention of opening new lines of credit in the near future, or signing up for a more robust, active credit monitoring service.
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Muffinz0rz 5 days ago#41
BlDUdt7

;)
Not removing this until Pat Benatar is in Super Smash Bros. (Started 8/31/2010)
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_BlueMonk 5 days ago#42
for reference, you can get free transunion monitoring from Credit Sesame, free Equifax monitoring from Credit Karma, and Experian's website lets you sign up for a free account (scroll down on the sign up page) for free monitoring from them.
One in a Million, TWICE!
Dahyun is BEST.
P4wn4g3 5 days ago#43
Corrupt_Power posted...
P4wn4g3 posted...
Corrupt_Power posted...
P4wn4g3 posted...
Corrupt_Power posted...
P4wn4g3 posted...
Not sure what Federal loans use.

They plug into credit bureaus as well, my federal student loans show up on my credit reports. You should check if you were effected.

I haven't been affected yet. What should I do now? I just signed up with credit karma.

If you're not effected, you should be ok. Equifax says they've contained the breach, so if your info wasn't exposed already, or they don't have anything on you, you should be ok. Just stay aware of your credit and check it now and then, which you should be doing already anyway.

I'm just going off what credit karma is saying. The trusted premier page said I could or could not be affected, it wasn't very helpful.

It said could or could not? That's amazingly vague, and f***ing stupid.

Going forward, I would just keep a close eye on your credit. I believe Credit Karma has a free system that will notify you of changes to your credit report, I would take advantage of that. I would also seriously consider freezing your credit profiles if you have no intention of opening new lines of credit in the near future, or signing up for a more robust, active credit monitoring service.

I guess I'll have to figure out how to freeze it. I don't really use credit.
Hive Mind of Dark Aether, the unofficial Metroid Social Private board.
https://www.gamefaqs.com/boards/851-dark-aether
Something fun to think about:
Equifax says they generally don't have information on minors, which make sense because they rarely have credit profiles.

The "44% of Americans effected" is coming from 143 million people's information being exposed, compared against the US population of 323 million.

A 2010 Census stated that people under 18 years old account for about 24% of the population in the US, or about 77.5 million of the 323 million. That leaves about 245.5 million adults.

So... if we take the 143 million effected people, and compare it against the 245.5 million adults, we come up with a little over 58% of adults effected. This also doesn't take into account adults who have little or no credit, and thus Equifax likely doesn't have information on them. It's pretty easy then to say that the percentage of adults with active credit profiles, effected by this breach, is well over 60%.
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Unsugarized_Foo 5 days ago#45
I like how @Corrupt_Power has an appropriate name and knowledge
"All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
Esrac 5 days ago#47
NOM 5 days ago#48
Goddamnit
this just here so I ain't a smelly sigless user
Unsugarized_Foo posted...
I like how @Corrupt_Power has an appropriate name and knowledge

I really do love my username, haha.
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emblem boy 5 days ago#50
Corrupt_Power posted...
Kingbuffet posted...
How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card

This is the official site to see if you are effected, from Equifax:
https://trustedidpremier.com/eligibility/eligibility.html

It will also let you enroll in their credit monitoring system free for 1 year if you are.

A credit freeze, to my knowledge, only freezes opening of new lines of credit. It does not effect your ability to use your current lines of credit.


If it says we weren't impacted, based on that link, I don't have to do anything else right?
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  1. Boards
  2. Current Events
  3. PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP
    1. Boards
    2. Current Events
    3. PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP
    emblem boy posted...
    Corrupt_Power posted...
    Kingbuffet posted...
    How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card

    This is the official site to see if you are effected, from Equifax:
    https://trustedidpremier.com/eligibility/eligibility.html

    It will also let you enroll in their credit monitoring system free for 1 year if you are.

    A credit freeze, to my knowledge, only freezes opening of new lines of credit. It does not effect your ability to use your current lines of credit.


    If it says we weren't impacted, based on that link, I don't have to do anything else right?

    Correct, however you should be paying attention to your credit profile anyway.
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    My banks send notifications to my phone every time there is a credit change, or if there was no change at the end of a month they tell me there was no change that month.
    _BlueMonk 5 days ago#53
    i think the real issue is other things like bank accounts.

    a scammer could open an account in your name, write a bunch of bad checks and the bank will go after YOU for their money. 

    or open phone accounts

    or anything really. 

    but again, its identity theft so itll be easy to get off your report (though a hassle) so it's not TOO bad.
    One in a Million, TWICE!
    Dahyun is BEST.
    kirbymuncher  ignores me5 days ago#54
    Unauthorized access to limited personal information for certain U.K. and Canadian residents


    huh

    I feel like my chances of being affected are pretty low but I guess it could be possible
    THIS IS WHAT I HATE A BOUT EVREY WEBSITE!! THERES SO MUCH PEOPLE READING AND POSTING STUIPED STUFF
    Unsugarized_Foo 5 days ago#55
    Aw, it says my stuff was breached. f***ing dolts. They have one job.
    "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
    P4wn4g3 5 days ago#56
    Who says your stuff was breached
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    Unsugarized_Foo 5 days ago#57
    They do
    "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
    CEs_EFG 5 days ago#58
    Corrupt_Power posted...
    This is the official site to see if you are effected, from Equifax:
    https://trustedidpremier.com/eligibility/eligibility.html


    is this safe? I'm not cool with giving someone who just lost my s*** my SSN 

    or i guess it doesn't even matter at this point
    CEs_EFG 5 days ago#59
    Unsugarized_Foo 5 days ago#60
    Could just be their way to test it

    Add Person Test with Social 123456 to the group ID list and see if the program works
    "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
    Muffinz0rz 5 days ago#61
    CEs_EFG posted...
    SBLdpOU

    Corrupt_Power wow it's apparently bulls***

    Holy s***

    What if the whole thing was an elaborate marketing ploy

    I mean, that could be why they're offering a one-year trial of their credit monitoring program or whatever it is

    GRANTED, it's possible that Equifax actually used "test" and "123456" as their own testing to see if it works, like maybe they put in a dummy account or something. But still, I'd say that's reaching.
    Not removing this until Pat Benatar is in Super Smash Bros. (Started 8/31/2010)
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    (edited 5 days ago)reportquote
    Unsugarized_Foo 5 days ago#62
    Bump
    "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
    doug123 4 days ago#63
    s*** like this makes my blood boil.
    itachi15243 4 days ago#64
    Muffinz0rz posted...
    CEs_EFG posted...
    SBLdpOU

    Corrupt_Power wow it's apparently bulls***

    Holy s***

    What if the whole thing was an elaborate marketing ploy

    I mean, that could be why they're offering a one-year trial of their credit monitoring program or whatever it is

    GRANTED, it's possible that Equifax actually used "test" and "123456" as their own testing to see if it works, like maybe they put in a dummy account or something. But still, I'd say that's reaching.


    That makes sense

    I just entered my info and I'm not effected.

    Am I like the only one though? >.>
    I do drawings and stuff
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    FLUFFYGERM 4 days ago#65
    they could have just put that up to try to get people to waive their rights to sue
    gafemaqs 4 days ago#66
    FLUFFYGERM posted...
    they could have just put that up to try to get people to waive their rights to sue

    Well that's precisely what they did. Anyone who doesn't consider themselves morally bankrupt or a joke would send a letter notifying everyone whose data was breached.

    You don't get to take information that was given to you, willingly or otherwise, and then not tell me when that info was compromised.
    (edited 4 days ago)reportquote
    itachi15243 posted...
    Muffinz0rz posted...
    CEs_EFG posted...
    SBLdpOU

    Corrupt_Power wow it's apparently bulls***

    Holy s***

    What if the whole thing was an elaborate marketing ploy

    I mean, that could be why they're offering a one-year trial of their credit monitoring program or whatever it is

    GRANTED, it's possible that Equifax actually used "test" and "123456" as their own testing to see if it works, like maybe they put in a dummy account or something. But still, I'd say that's reaching.


    That makes sense

    I just entered my info and I'm not effected.

    Am I like the only one though? >.>

    It's likely a test entry, or possibly the tool defaults to may be impacted if it doesn't explicitly know.
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    4IS7YWN

    Motherf***er

    I tested it with a fake name and added +1 to my own social security number, and it said it wasn't affected so it's not automatically saying you're affected.
    ~A little nonsense, now and then, is relished by the wisest men ~
    TWSSted since~ 3/27/12 https://i.imgur.com/zlaENmx.png
    (edited 4 days ago)reportquote
    Capn Circus 4 days ago#69
    The bright side is that certainly not everyone will be truly affected. 

    There's only a limited number of scumbags that are going to use people's information to commit identity theft/fraud. Though there's a lot of scumbags out there, it's not hundreds of millions.
    "I think that man will be president right about the time when spaceships come down filled with dinosaurs in red capes" - Tom Hanks
    doug123 4 days ago#70
    So should we enroll in this s*** or not? Some people are saying if you do you waive the right to sue them or something.
    KainWind 4 days ago#71
    That link says I'm unaffected. Now everyone just looks like a bunch of paranoid crazies.
    Unsugarized_Foo 4 days ago#72
    doug123 posted...
    So should we enroll in this s*** or not? Some people are saying if you do you waive the right to sue them or something.


    No, its bandaid when you need some med-foam anyway.
    "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
    Capn Circus posted...
    The bright side is that certainly not everyone will be truly affected. 

    There's only a limited number of scumbags that are going to use people's information to commit identity theft/fraud. Though there's a lot of scumbags out there, it's not hundreds of millions.

    You're ignoring the fact that this information can potentially be used for the rest of your life. It's why everyone is lambasting the 1 year protection that Equifax is offering.

    doug123 posted...
    So should we enroll in this s*** or not? Some people are saying if you do you waive the right to sue them or something.

    More protection is better, there's no reason not to. Equifax has cleared up the ToS thing, saying the arbitration and class-action clauses don't apply to the "cybersecurity incident" as they are putting it.
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    Mr_Biscuit 2 days ago#74
    Master_Bass posted...
    The Chinese already have all my information anyway. Thanks, OPM. I look at my credit information about once a week anyway, so I'm not worried about someone opening a credit account or loan I won't notice.


    Yeah, thanks OPM. Didn't have the funds at the time to actually do a background check (it was during the sequester), but at least they had the information I provided in order to lose it.
    I may have been affected, fantastic. 

    The worst part of all this is that nothing will change. Equifax knew about the hack back in May, bribed Congress to pass laws to protect themselves before going public, and three Equifax executives sold their shares before the story broke.

    And nothing will change, nobody will go to jail. Our country is corrupt and we need to fight back for our rights.
    MangaFan462 2 days ago#77
    ChromaticAngel posted...
    I'm only in their system by proxy of my banks giving them my info. I've never signed up for their s***.


    Same here. I still recommend you monitor your credit very closely though.
    Slaya4 2 days ago#78
    Thanks for the heads up. I'm not giving up my right to sue though. I already keep an eye on my credit. I'll just be more adamant about it now.
    Am I going too hard?
    CM_Ponch 2 days ago#79
    tag
    SW-8316-3213-4720
    synth_real 2 days ago#80
    At this moment, I've never been happier to have tanked my credit rating.
    "I'm the straightest guy on this board. I'm so straight that I watch gay porn." - Smarkil
    lilJoe457 2 days ago#81
    I checked all my accounts and nothing looked different. I have no clue about this stuff. My mom and step dad and aunt are looking into s***. I hate this digital currency era.
    That's the wall brother!
    megaman 2 days ago#82
    One thing to watch out for is people using your information to get into your bank accounts and drain them, since they have all of your identifying info that is supposed to be private. They can sometimes determine what bank you are with based on where you have loans or credit cards.
    GT: Disturbed Brute
    PSN: phreedone11485
    doug123 2 days ago#83
    So what's the verdict, do I sign up for this TrustedID Premier thing or not? Equifax is calming that it doesn't waive your rights to sue, but I see conflicting information. What are you guys doing?
    itachi15243 2 days ago#84
    doug123 posted...
    So what's the verdict, do I sign up for this TrustedID Premier thing or not? Equifax is calming that it doesn't waive your rights to sue, but I see conflicting information. What are you guys doing?


    I was lucky enough to not be effected according to Equifax. But if I were you I'd wait for all information before signing up, and freeze your credit
    I do drawings and stuff
    https://www.fiverr.com/blueblitz
    On_The_Edge 2 days ago#85
    tag
    We're here.
    Dustin1280 2 days ago#86
    This is a good topic, at the very least I recommend people use credit karma's free service. It will let you know if any new accounts get opened up anywhere...
    Smash DS Code: 4554-0120-5368 SB4 Name: Roz
    RIP: Orlando of the Axe Karma: 1642 --he delivered!
    GOOMFalse 2 days ago#87
    Good thing my SSN gets changed every year so this won't be an issue forever.
    I'm your huckleberry.
    DepreceV2 2 days ago#88
    What if I have no Credit?
    GT: Deprece (X1) Hunter 32/ Titan 32/ Warlock 32
    IB/ GHorn/ Vex/ Faithbringer/ Thunder/ Etc
    So we're saying having Credit karma is good enough since it'll warn us about hits and new accounts?
    Slow and steady wins the race
    Dustin1280 2 days ago#90
    2SweetforTurtle posted...
    So we're saying having Credit karma is good enough since it'll warn us about hits and new accounts?

    I believe so, yes. 

    The freeze is definitely the safest way, but it's kinda a pain and may cost money in some states.

    I am perfectly satisfied with credit karma, that will let me know if anything I haven't done personally is happening.

    Remember you are one of 143 MILLION people on a list.
    Smash DS Code: 4554-0120-5368 SB4 Name: Roz
    RIP: Orlando of the Axe Karma: 1642 --he delivered!
    LinksLiege 2 days ago#91
    (you are)

    That impact check thing says I'm not. :V
    This is LinksLiege's signature. It is fantastic.
    Naysaspace 2 days ago#92
    See, ovet here in canada we can't do much. Even checking if we were affected requires waiving rights to any future legal action

    Cant wait for our limp-dick government to bend to the will of equifax and do nothing for the citizens.
    This may have been discussed already, how long are we supposed to know to keep the credit freeze active?
    GT: ShadowElite86
    Dustin1280 2 days ago#94
    ShadowElite86 posted...
    This may have been discussed already, how long are we supposed to know to keep the credit freeze active?

    Basically forever, until you personally decide to open a new card
    Smash DS Code: 4554-0120-5368 SB4 Name: Roz
    RIP: Orlando of the Axe Karma: 1642 --he delivered!
    Dustin1280 posted...
    ShadowElite86 posted...
    This may have been discussed already, how long are we supposed to know to keep the credit freeze active?

    Basically forever, until you personally decide to open a new card

    Wow, what a pain in the f***ing ass. It also costs to temporarily lift the freeze....
    GT: ShadowElite86
    doug123 1 day ago#96
    Well, today is my enrollment date, so I suppose I might as well do it.
    Some of you may find this helpful: https://www.reddit.com/r/YouShouldKnow/comments/6znofc/ysk_what_your_options_for_responding_to_equifax/
    Bosses are immune to the eat command so it won't be possible to end the final boss fight of the game by eating it.
    -VeghEsther
    doug123 1 day ago#98
    So we basically need to pay $100 dollars plus a decent amount of time and effort in order to opt out of the anti-lottery. It almost seems like the odds are so bad that it isn't worth spending the time and money.
    I've never had a credit card in my life. However I do have student loans and a car loan. And that Equifax site did say my info might've been affected.

    I have credit monitoring via Credit Karma. Should I still freeze my credit?
    AKA Level 36 ForestWanderer / ObjectiveLogic
    http://www.poorcouplesfoodguide.com - Pizza Time!
    ForestLogic posted...
    I've never had a credit card in my life. However I do have student loans and a car loan. And that Equifax site did say my info might've been affected.

    I have credit monitoring via Credit Karma. Should I still freeze my credit?

    Just pay attention to your credit karma reports. IF anything happens that you didn't authorize takes steps at that time.
    Smash DS Code: 4554-0120-5368 SB4 Name: Roz
    RIP: Orlando of the Axe Karma: 1642 --he delivered!
    1. Boards
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    3. PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP
      1. Boards
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      3. PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP
      Dustin1280 posted...
      ForestLogic posted...
      I've never had a credit card in my life. However I do have student loans and a car loan. And that Equifax site did say my info might've been affected.

      I have credit monitoring via Credit Karma. Should I still freeze my credit?

      Just pay attention to your credit karma reports. IF anything happens that you didn't authorize takes steps at that time.


      Will do, thanks. Coincidentally, I was actually legit thinking of getting an Amazon card for the first time ever a few weeks ago. Should I hold off on that for a while now?
      AKA Level 36 ForestWanderer / ObjectiveLogic
      http://www.poorcouplesfoodguide.com - Pizza Time!
      Corrupt_Power 21 hours ago#102
      doug123 posted...
      So we basically need to pay $100 dollars plus a decent amount of time and effort in order to opt out of the anti-lottery. It almost seems like the odds are so bad that it isn't worth spending the time and money.

      Where are you getting $100 from?
      Posted with GameRaven 3.2.2
      Axiom 21 hours ago#103
      Anyone see this story about Equifax in Argentine that had a data breach right after they revealed the other one

      http://www.bbc.com/news/technology-41257576

      Apparently they had admin as the login and password for an employee administration tool. I mean if this is what passes for security with them it's no surprise this s*** happened >_>
      Class action suit? All right! I need an extra 37 cents in my bank account
      krazychao5 21 hours ago#105
      What if I am trying to get a mortgage in the next couple months?
      Lmao I'm quite alright. I haven't paid my 7 credit cards in months. My credit is tanking, I'm in the process of declaring bankruptcy with my attorney. 

      There isn't a creditor on earth who would touch me with a ten foot pole right now.
      Corrupt_Power 18 hours ago#107
      pres_madagascar posted...
      Lmao I'm quite alright. I haven't paid my 7 credit cards in months. My credit is tanking, I'm in the process of declaring bankruptcy with my attorney. 

      There isn't a creditor on earth who would touch me with a ten foot pole right now.

      Enjoy identity theft
      Posted with GameRaven 3.2.2
      GigaSPX 18 hours ago#108
      Ok so I only use Credit Karma to check my credit, but using this link (https://trustedidpremier.com/eligibility/eligibility.html) I saw that I'm affected still.

      I'm a bit flustered about how I never use Equifax's website and such, but I'm still affected by this. How much work is there to do a freeze?
      My sig is here. Yup.
      wolverinev2 17 hours ago#109
      This company is trying everything in the book to not get sued by half the country. If they end up getting a MASSIVE class action lawsuit, they'll likely go broke. But the CEO's and other people in charge will end up just taking the same type of job at another company.
      It's far better to be alive than to be dead
      ThyCorndog 17 hours ago#110
      well I wasn't affected, but this topic made me dl credit karma on my phone, which is pretty cool
      Unsugarized_Foo 17 hours ago#111
      GigaSPX posted...
      How much work is there to do a freeze?

      http://clark.com/personal-finance-credit/credit-freeze-and-thaw-guide/
      "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
      Corrupt_Power posted...
      pres_madagascar posted...
      Lmao I'm quite alright. I haven't paid my 7 credit cards in months. My credit is tanking, I'm in the process of declaring bankruptcy with my attorney. 

      There isn't a creditor on earth who would touch me with a ten foot pole right now.

      Enjoy identity theft

      A useless identity that will get them nothing. Also I'm not worried about tax returns filed in my name since I submit my return the first day you can, so I'll beat them to the punch.
      Rika_Furude 16 hours ago#113
      I live in Australia, am i ok
      Posted with GameRaven 3.2.2
      MelzezDoor 14 hours ago#114
      Can I choose to be someone better now that it's all out there? What's the going price?
      fan357 12 hours ago#115
      Bump
      Never forget where you came from.
      What if Experian, Equifax and TransUnion has wrong info on you.

      I JUST found this out from TransUnion so freezing it will be a pain in the ass.

      Also how does this affect student loans that are yet to disburse.
      El Psy Congroo
      3DS FC: 3952-7469-6840
      (edited 12 hours ago)reportquote
      LittleRoyal 12 hours ago#117
      Bump for some of you
      I-I really needed this~~
      Time to stomp some faces!!!
      Shiek120 10 hours ago#118
      Or don't touch it so you can join the lawsuit later
      i5-4570 3.2GHz, 8gb DDR3, NVIDIA GeForce GTX 1070 Founder's Edition
      I'm a Celtic.
      GigaSPX 7 hours ago#119
      Shiek120 posted...
      Or don't touch it so you can join the lawsuit later

      Where did you read that freezing your credit forfeits your right to the lawsuit?
      My sig is here. Yup.
      Muffinz0rz 3 hours ago#120
      GOOMFalse posted...
      Good thing my SSN gets changed every year so this won't be an issue forever.

      The f***?
      Not removing this until Pat Benatar is in Super Smash Bros. (Started 8/31/2010)
      FantaCE Football Squad (0-1): https://i.imgur.com/ZktMdbu.png (Updated Weekly)
      I have never had a credit card or taken out any kind of loan before (though I have a debit card). What should I do when I need to take out a loan or get a credit card for whatever reason?
      I'm not very good at this...
      (edited 2 hours ago)reportquote
      tremain07 2 hours ago#122
      there's less than 10 dollars on my account and I have no savings, i have absolutely nothing and everybody knows it.
      I got nothing
      Unsugarized_Foo 2 hours ago#123
      tremain07 posted...
      there's less than 10 dollars on my account and I have no savings, i have absolutely nothing and everybody knows it.


      They won't need to know if you have anything in order to open up certain online loans or get a credit card in your name. Then if they do, you'll have even less than nothing
      "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
      Unsugarized_Foo 2 hours ago#124
      MysticMismagius posted...
      I have never had a credit card or taken out any kind of loan before (though I have a debit card). What should I do when I need to take out a loan or get a credit card for whatever reason?


      Well, you probably have a credit profile since you go through a bank of some sort, but the process of getting a line of credit doesn't change because of this. It is just recommended that you make it harder for someone who has your information to commit identity theft.

      To this, you freeze your credit. Then when you need to access your credit, you call a number and unthaw your credit for a little bit.
      "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
      tremain07 1 hour ago#125
      Unsugarized_Foo posted...
      tremain07 posted...
      there's less than 10 dollars on my account and I have no savings, i have absolutely nothing and everybody knows it.


      They won't need to know if you have anything in order to open up certain online loans or get a credit card in your name. Then if they do, you'll have even less than nothing

      Crap, so what do I do?
      I got nothing
      doug123 1 hour ago#126
      So let's say we decide to take the time and spend $100 to freeze our accounts at the 3 big credit bureaus, what is to prevent a 4th from coming along, where we don't have a freeze?
      Corrupt_Power 48 minutes ago#127
      doug123 posted...
      So let's say we decide to take the time and spend $100 to freeze our accounts at the 3 big credit bureaus, what is to prevent a 4th from coming along, where we don't have a freeze?

      It's $30 ($10 each, potentially cheaper if you fit certain categories), and there won't be.
      Posted with GameRaven 3.2.2
      doug123 34 minutes ago#128
      Corrupt_Power posted...
      doug123 posted...
      So let's say we decide to take the time and spend $100 to freeze our accounts at the 3 big credit bureaus, what is to prevent a 4th from coming along, where we don't have a freeze?

      It's $30 ($10 each, potentially cheaper if you fit certain categories), and there won't be.


      I thought it was $30 each.

      Either way, the idea of giving Equifax money, because of the fact that they lost my data that I never wanted them to have, is f***ing repulsive. I think I'd rather take the risk than give them a dime.
      (edited 33 minutes ago)reportquote
      Corrupt_Power 31 minutes ago#129
      doug123 posted...
      Corrupt_Power posted...
      doug123 posted... 
      So let's say we decide to take the time and spend $100 to freeze our accounts at the 3 big credit bureaus, what is to prevent a 4th from coming along, where we don't have a freeze?

      It's $30 ($10 each, potentially cheaper if you fit certain categories), and there won't be.


      I thought it was $30 each.

      Either way, the idea of giving Equifax money, because of the fact that they lost my data that I never wanted them to have, is f***ing repulsive. I think I'd rather take the risk than give them a dime.

      While I understand the sentiment, that's frankly a f***ing stupid stance to take. You're going to risk identity theft over $10?

      Regardless, Equifax recently removed the fee from their freeze anyway, so for them, it doesn't cost a dime. See: https://www.gamefaqs.com/boards/400-current-events/75774740
      Posted with GameRaven 3.2.2
      Unsugarized_Foo 12 minutes ago#130
      Yeah, it's free for now. They went from full anticonsumer to full please-dont-sue-...-me-youre-gonna-sue-me-arent-ya? mode
      "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
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      3. PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP