Road Runner Posted September 30, 2017 Share #1 Posted September 30, 2017 I went to the Equifax site recently and apparently I am one of those whose data may have been compromised. Everyone (internet) says to freeze your credit and sign up for credit monitoring. I haven't done anything yet. How about you? Link to comment Share on other sites More sharing options...
Square Wheels Posted September 30, 2017 Share #2 Posted September 30, 2017 Nothing. BoA is amazing at cancelling my cards whenever they feel like it and sending me new ones. I don't have any others. 1 Link to comment Share on other sites More sharing options...
Road Runner Posted September 30, 2017 Author Share #3 Posted September 30, 2017 It's not just existing credit cards that are at risk. With your data (name, address, ssn, etc), a crook can apply for credit in your name and run up huge bills. Your credit rating will be ruined. Link to comment Share on other sites More sharing options...
petitepedal ★ Posted September 30, 2017 Share #4 Posted September 30, 2017 Like my credit rating is so awesome now....oh wait..it is..but...no I haven't done anything Link to comment Share on other sites More sharing options...
maddmaxx ★ Posted September 30, 2017 Share #5 Posted September 30, 2017 I've said a little prayer that the Equifax executives rot in hell for all eternity. 1 Link to comment Share on other sites More sharing options...
Randomguy Posted September 30, 2017 Share #6 Posted September 30, 2017 I am wearing a condom, so I should be ok. Link to comment Share on other sites More sharing options...
Road Runner Posted September 30, 2017 Author Share #7 Posted September 30, 2017 I've also read that with your data, someone can file your income tax return (before you do) and steal your refund. Seems like it would be difficult to do, but apparently it does happen. Link to comment Share on other sites More sharing options...
UglyBob Posted September 30, 2017 Share #8 Posted September 30, 2017 49 minutes ago, Road Runner said: I've also read that with your data, someone can file your income tax return (before you do) and steal your refund. Seems like it would be difficult to do, but apparently it does happen. It happens a lot. I have a friend who is still going through the fallout three years later. My wife works in identity and access management for a large financial corp (not one of the ones that have been breached), and put together these recommendations based on her research and her experience in the industry. Rather than cut and past it here, I'll attach a document. Basically what she is recommending is to request your free annual credit report from each of the big three (not freecreditreport.com or creditkarma.com), then lock down your report. You will also want to go to SSA.gov and add second-factor-authentication to your account. If you haven't setup an online account with them, do it and lock it down before someone else does. If you have kids with SSNs, do all of the above for them as well. When a child's SSN gets stolen or used fraudulently, it often isn't discovered until they mature and file taxes for the first time. Here's what she put together: Equifax Train Wreck.docx Oh, and if credit monitoring makes you feel better, do it but don't use the free one Equifax is offering. These are the same people that didn't protect your data in the first place. Also, get those free reports from all three every year and look them over. The fallout from this will be happening for a very long time. 3 Link to comment Share on other sites More sharing options...
Scrapr ★ Posted September 30, 2017 Share #9 Posted September 30, 2017 Thx UB. Will look at it later Link to comment Share on other sites More sharing options...
Johnny Come Lately Name Posted September 30, 2017 Share #10 Posted September 30, 2017 Two condoms. 1 Link to comment Share on other sites More sharing options...
Chris... Posted September 30, 2017 Share #11 Posted September 30, 2017 I’ve taken the necessary precautions 1 Link to comment Share on other sites More sharing options...
MickinMD ★ Posted October 1, 2017 Share #12 Posted October 1, 2017 I've done nothing. Note that if you freeze your credit there's generally a fee for it and you can't unfreeze it instantly. So if there's a set of steak knives at Macy's if you sign up for their store card, etc. you can't do it. The same if you see a booth at Costco the next time they switch cards (they were Discover Card in the '80's, changed to American Express, then last year switched to Visa) - you can't sign up for the new one unless you activate your credit, then wait 3 days so you can sign up for new stuff. Note that what was stolen was name, Soc.Sec. No., and that can be used in the distant future, so if you're going to freeze, you may need to do so for decades. Link to comment Share on other sites More sharing options...
maddmaxx ★ Posted October 1, 2017 Share #13 Posted October 1, 2017 19 hours ago, F_in Ray Of Sunshine said: Two condoms. And a butt plug. Link to comment Share on other sites More sharing options...
Ralphie ★ Posted October 1, 2017 Share #14 Posted October 1, 2017 31 minutes ago, maddmaxx said: And a butt plug. Link to comment Share on other sites More sharing options...
Johnny Come Lately Name Posted October 1, 2017 Share #15 Posted October 1, 2017 46 minutes ago, maddmaxx said: And a butt plug. Ooh. Forgot about backdoors. 1 Link to comment Share on other sites More sharing options...
Road Runner Posted October 11, 2017 Author Share #16 Posted October 11, 2017 I finally installed freezes on my credit reports at the three credit report companies. I feel slightly better. Supposedly, it is unlikely now that anyone can get a loan or establish any sort of credit using my identity. Link to comment Share on other sites More sharing options...
Razors Edge ★ Posted October 11, 2017 Share #17 Posted October 11, 2017 I simply bought a few other identities and will make sure to spread my new found credit power around a bit. Look for a few big TIB threads in the not too distant future (but likely from folks not named "Razors Edge"). Tom Link to comment Share on other sites More sharing options...
Road Runner Posted October 11, 2017 Author Share #18 Posted October 11, 2017 1 minute ago, Razors Edge said: I simply bought a few other identities Can you buy them from Amazon yet? Link to comment Share on other sites More sharing options...
Razors Edge ★ Posted October 11, 2017 Share #19 Posted October 11, 2017 Just now, Road Runner said: Can you buy them from Amazon yet? My bitcoin goes farther on the darknet. Tom 1 Link to comment Share on other sites More sharing options...
12string Posted October 11, 2017 Share #20 Posted October 11, 2017 I've started using sunscreen Link to comment Share on other sites More sharing options...
parodybot Posted October 11, 2017 Share #21 Posted October 11, 2017 I have had a condom on 24/7 since I heard the news. Link to comment Share on other sites More sharing options...
Road Runner Posted October 11, 2017 Author Share #22 Posted October 11, 2017 13 minutes ago, parodybot said: I have had a condom on 24/7 since I heard the news. I didn't even know you had a data probe. Link to comment Share on other sites More sharing options...
parodybot Posted October 11, 2017 Share #23 Posted October 11, 2017 11 minutes ago, Road Runner said: I didn't even know you had a data probe. I don't, so I just put if over my head. Link to comment Share on other sites More sharing options...
Parsnip Totin Jack ★ Posted October 11, 2017 Share #24 Posted October 11, 2017 I put a freeze on my credit files. A freeze is free, at least in VA. There is a fee to lock and unlock your credit file. I also put pass codes on my credit union accounts. Usually, their identity check is DOB and last four of SSN. Those are on the dark web already with past mailing addresses, email addresses, passwords and that I am afraid of speaking in public. Link to comment Share on other sites More sharing options...
Road Runner Posted October 11, 2017 Author Share #25 Posted October 11, 2017 33 minutes ago, Old#7 said: I put a freeze on my credit files. A freeze is free, at least in VA. There is a fee to lock and unlock your credit file. I froze mine. That is the terminology they used. A security freeze. Equifax did not charge me because of the breach. Experion and TransUnion each charged me $10. Link to comment Share on other sites More sharing options...
goldendesign Posted October 12, 2017 Share #26 Posted October 12, 2017 I have paid credit monitoring from way back when PlayStation networks were hacked. I got two free years of AllClearID premium service thanks to Sony then I continued to pay for the services since I do a lot of transactions online. I also have free monitoring from Discover. I got a notification from my monitoring service saying they upped my account alert threshold as soon as the breach was announced. Link to comment Share on other sites More sharing options...
LoneWolf Posted October 12, 2017 Share #27 Posted October 12, 2017 On 10/1/2017 at 7:39 AM, RalphWaldoMooseworth said: Hey, you should always secure yourself. Otherwise, you might never know when you've been penetrated. Link to comment Share on other sites More sharing options...
MickinMD ★ Posted October 12, 2017 Share #28 Posted October 12, 2017 Here's an update to my previous post on this thread. I was going to reference an old article from Yahoo "Secrets of a former credit card thief" in my previous post, but it's no longer on the Yahoo site. A little Googling shows it's been copied and posted on a lot of other sites, the complete article is here: h/ttps://www.creditcards.com/credit-card-news/secrets-former-credit-card-thief-dan-defelippi-1282.php One of the things the former thief recommends is using Intuit-owned mint.com. You can keep track of all your credit cards, bank, stock, etc. info. There. Most of my liquid assets are in stocks and bonds and I don't list them with mint.com because they're insured and I don't need to check them often - it would be hard for someone to get the info needed to raid them. But it's a great place to frequently check from a user-friendly single site my six credit cards (I max. my cash-back) and bank checking, savings, and CD totals. In the credit card fraud victim topic I posted, about once a week I reconcile my own budget lists of credit card purchases against the lists in mint.com, and that's how I quickly found the unusual small charges. If there were any large charges I'd have found them much sooner - both the credit card companies and mint send me emails/texts about large charges. Previous post. I've done nothing. Note that if you freeze your credit there's generally a fee for it and you can't unfreeze it instantly. So if there's a set of steak knives at Macy's if you sign up for their store card, etc. you can't do it. The same if you see a booth at Costco the next time they switch cards (they were Discover Card in the '80's, changed to American Express, then last year switched to Visa) - you can't sign up for the new one unless you activate your credit, then wait 3 days so you can sign up for new stuff. Note that what was stolen was name, Soc.Sec. No., and that can be used in the distant future, so if you're going to freeze, you may need to do so for decades. Link to comment Share on other sites More sharing options...
jdc2000 Posted October 13, 2017 Share #29 Posted October 13, 2017 Latest update: https://www.ksl.com/?sid=46136865&nid=157&title=equifax-pulls-customer-service-page-cites-vendors-software Link to comment Share on other sites More sharing options...
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