Author Topic: Equifax - 143 million US-based users had their personal information compromised  (Read 1342 times)

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Offline plodr

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My point was, why would I pay Experian to freeze my account when it appears others can obtain the PIN and unfreeze my account. Seems like I'd be wasting money!!!

Well it just keeps getting better: Experian again
http://www.dailymail.co.uk/news/article-4904842/Equifax-sent-people-wrong-site-check-data-breach.html

So is what I put in to be trusted on "that" site?

Offline techie

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I understand, your not getting what you paid for.


Offline plodr

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There is a good article in today's paper on the difference between freezing and locking an account. The woman who writes the column even contacted Brian Krebs for information.

https://www.washingtonpost.com/business/get-there/2017/09/22/37cec09c-9f1e-11e7-9083-fbfddf6804c2_story.html

Offline techie

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At this point and time it should be an automatic notification from all three if credit is applied for. I have always opted out of prescreen offers, from creditors and insurance companies, etc. It has to be updated ever 5 years. This means they can't scan your credit files and send you the constant offer of credit services. If I need it I would apply for it.

Your personal information is just thrown around.

https://www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers

optout online

https://www.optoutprescreen.com/?rf=t

Offline winchester73

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Speak softly, but carry a big Winchester ... Winchester Arms Collectors Association member

Offline pastywhitegurl

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Offline Digerati

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Bill (AFE7Ret)
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Offline Corrine

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Offline techie

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Time to shut down Equifax and there third party vendors until they can get there act together. It's a target zone now. There has been to much information already taken. It needs to plugged and scoured with a fine tooth comb.

Offline Corrine

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Offline Digerati

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I am starting to wonder what the point of having 3 different credit bureaus is if they all share data and even common code. It clearly is not splitting their eggs (our data - lives) into 3 separate baskets. It is 3 points of total exposure.   
Bill (AFE7Ret)
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Offline techie

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I am starting to wonder what the point of having 3 different credit bureaus is if they all share data and even common code. It clearly is not splitting their eggs (our data - lives) into 3 separate baskets. It is 3 points of total exposure.

Actually they can have different data.

The FICO score is used by 90% of lenders. You can have up to 60 different FICO scores depending on which model is used. Lets just make a bit more confusing right.

Three different credit bureaus, oh there is actually 5.
http://www.thequarterroll.com/Blog/2011/July-2011/number-of-credit-bureaus.htm




Offline Digerati

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Oh, I know they can have different data, but the key data reflecting our personal identification (name, SSN, DoB, driver's license numbers, current address, current accounts and liabilities) is (or should be) the same everywhere. That's the data I am most interested in being protected from bad guys.





Bill (AFE7Ret)
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