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Have you frozen your credit reports yet?

Have you contacted the 3 reporting credit bureaus to lock your report?

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Roc Doc

Roc Doc

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How to freeze your credit report.

1. Go to Equifax.com and open an account. Log in and click on the Freeze tab on the left. Follow the instructions and at the end it will provide you with links to Experian and Trans Union. Repeat the process for those two credit bureaus.




Hackers may have stolen your Social Security number in a massive breach. Here's what to know.

Massive data breach that includes Social Security numbers may be even worse than suspected

www.fox5dc.com

Every American's Social Security number, address may have been stolen in hack

Hackers claimed to have stolen more than 2 billion records containing sensitive information including Social Security numbers, with some data reportedly leaked online.
www.fox5dc.com www.fox5dc.com

Most x-perts are recommending that you freeze your credit report at all three bureaus ASAP. You can unfreeze them at any time.

At this point, it appears that the only notice provided by National Public Data is the page on its website, which states, “We are notifying you so that you can take action which will assist to minimize or eliminate potential harm. We strongly advise you to take preventive measures to help prevent and detect any misuse of your information.”

That sort of notice would not satisfy the requirements of California law, which also requires the state attorney general’s office to be informed of any breach that affects more than 500 state residents, Toohey said.

The steps recommended by National Public Data include checking your financial accounts for unauthorized activity and placing a free fraud alert on your accounts at the three major credit bureaus, Equifax, Experian and TransUnion. Once you’ve placed a fraud alert on your account, the company advised, ask for a free credit report, then check it for accounts and inquiries that you don’t recognize. “These can be signs of identity theft.”

So far, the company hasn’t offered free credit monitoring services for people whose information was stolen, unlike other companies that have suffered massive data breaches. “Normally, with a data breach notification, you offer something because you want to appear to be proactive and to be helping people,” Toohey said.

“The way that companies look at it, a bad thing has happened. The company of course feels it’s the victim, but that’s not the impression from the general public.”

Security experts also advise putting a freeze on your credit files at the three major credit bureaus. You can do so for free, and it will prevent criminals from taking out loans, signing up for credit cards and opening financial accounts under your name. The catch is that you’ll need to remember to lift the freeze temporarily if you are obtaining or applying for something that requires a credit check.

In the meantime, security experts say, make sure all of your online accounts use two-factor authentication to make them harder to hijack.
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I’m curious what the common thread is here.

Cisco?
Crowdstrike?
F5?
Msft?
AWS?
Other?


This seems to be happening a lot….
 
dntsdad said:
My data has been stolen so many times I don't think it's even mine anymore.

Probably been 20 or so in the last 10 years at least.

Make this a massive crime with massive fines to these companies, their boards, CEO, etc. and it'll get cleaned up overnight.
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Your data has been stolen, as in identity theft, or a credit card got jacked? I've had several credit cards jacked at gas stations and restaurants, but so far nobody has obtained access to my banking or investment accounts...AFIK.
 
Had my CC used a few times so I have go through and list all the shit I didn't buy and get a new card but I get those letters all the time that my data was stolen.

Best Buy
Target
Shell
Pet Smart
some others I can't remember
 
Roc Doc said:
They make it sound like it's no big deal. How long does it take?
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Its pretty much instant you just need to keep track of all your login credentials. Sometimes if you are applying for a loan or something they dont always know which credit agency they are using.
 
Roc Doc said:
AT&T
Ticketmaster
MGM Resorts
Caesars Resorts
Sands Casinos

I'm sure there are others.
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Agree…. But what is the underlying tech that’s being exploited?

Hate to support the EU, but the did get it right when they said people own their own data….
 
Animalmother said:
My shits been frozen for years. Kinda a pain in the ass to lift the freeze when you need to run your credit but I got used to it.
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Animalmother said:
Its pretty much instant you just need to keep track of all your login credentials. Sometimes if you are applying for a loan or something they dont always know which credit agency they are using.
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Same here. I can unfreeze all three in about ten minutes' time. You can select for a specific company to be "allowed in" to pull your credit, or specify a time period for leaving your credit unfrozen for all to see. I don't recall which way I went when buying the last house, but it had to have been pretty trouble-free or I'd have remembered it more. :laughing:
 
KenV said:
Same here. I can unfreeze all three in about ten minutes' time. You can select for a specific company to be "allowed in" to pull your credit, or specify a time period for leaving your credit unfrozen for all to see. I don't recall which way I went when buying the last house, but it had to have been pretty trouble-free or I'd have remembered it more. :laughing:
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Yeah if youre organized its no problem. My dumb ass didnt write anything down the first time I froze all three and years went by and I forgot everything and had to go through resetting everything which is a little bit harder because you have to prove your identity. I have it all saved now and can do it pretty quick. Just bought a work truck so just temporarily lifted one for that. One thing that someone may keep in mind if they pull your credit and its frozen the loan folks my not immediately let you re apply. I had that happen once.
 
Animalmother said:
Yeah if youre organized its no problem. My dumb ass didnt write anything down the first time I froze all three and years went by and I forgot everything and had to go through resetting everything which is a little bit harder because you have to prove your identity. I have it all saved now and can do it pretty quick. Just bought a work truck so just temporarily lifted one for that. One thing that someone may keep in mind if they pull your credit and its frozen the loan folks my not immediately let you re apply. I had that happen once.
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You have my sympathy on that one. We were paranoid after an ID theft incident so we carefully recorded all out logon credentials at the time. I can only imagine the pain it could be to get that reset done.
 
Why the hell does there need to be 3 credit reporting places?

Worse that they all use different formulas and algorithms to create a score.
 
Did it a long ago.
Who knows if it does what is supposed to.

Companies that are supposed to stay current lack in investing into encryption/security...
Gov websites are likely the same.
 
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