Just to ask/confirm. I have frozen all 3 credit's, but can existing credit companies like my chase card still run it if I want an increase? Or would I have to un-freeze it and request it?
Yep, same here. Nice thing is that one fraud alert applies to all agencies, but only for 90 days.
Yep. Even if it's just 90 days it's a good thing to have at least for now..sigh what a mess this is
I only checked my SSN on the equifax site, but didn't sign up for their "complimentary service." Am I already dead in the law suit?
I only checked my SSN on the equifax site, but didn't sign up for their "complimentary service." Am I already dead in the law suit?
Leaked data includes names, birth dates, Social Security numbers, addresses and some driver's license numbers
I've never applied for a credit card, is there anyway this could affect me?
Can someone give me a TLDR on what's going on? I know about the breach but everyone's now talking about lawsuits and being voided from them so I'm lost lol
So uhhhh what do I need to check to see if my data was leaked
I'm 21 years old and my credit history is just student loans and like 3 credit cards
am I fucked?
>Equifax finds out about data leak
>Few days later some of their execs sell shares
>Weeks later they alert the public
>Put up a site about the leak, have a form where you fill in your last name and most of your SSN to "enroll" in credit monitoring, turns out you can use that form to find out if your data was leaked or not
>People do some digging and find that the site is set up haphazardly, contains debug code, login info was easily accessible, being hosted on Wordpress and is otherwise lacking in security
>Usage agreement for site says if you use it you give up the right to a class action lawsuit (and there will be one for this data breach, give it time)
>NY AG goes "ah hell naw" and Equifax changes it to "you can opt out of that clause if you send us a letter within 30 days"
>Later say "oh sorry this data breach is excluded from this clause thought that was apparent" (well not like that, but they implied that this data breach was always excluded from that clause, which is a lie given that after people started to complain they only then changed it, and then now seem to have decided the PR hit wasn't worth it)
TL;DR fuck equifax. they had one job and they fucked it up, and they mishandled everything about it afterwards and even now.
i'm 20 and have one credit card and mine was leaked
to check go to www.equifaxsecurity2017.com, go to potential impact and follow the prompts
>Equifax finds out about data leak
>Few days later some of their execs sell shares
>Weeks later they alert the public
>Put up a site about the leak, have a form where you fill in your last name and most of your SSN to "enroll" in credit monitoring, turns out you can use that form to find out if your data was leaked or not
>People do some digging and find that the site is set up haphazardly, contains debug code, login info was easily accessible, being hosted on Wordpress and is otherwise lacking in security
>Usage agreement for site says if you use it you give up the right to a class action lawsuit (and there will be one for this data breach, give it time)
>NY AG goes "ah hell naw" and Equifax changes it to "you can opt out of that clause if you send us a letter within 30 days"
>Later say "oh sorry this data breach is excluded from this clause thought that was apparent" (well not like that, but they implied that this data breach was always excluded from that clause, which is a lie given that after people started to complain they only then changed it, and then now seem to have decided the PR hit wasn't worth it)
TL;DR **** equifax. they had one job and they ****ed it up, and they mishandled everything about it afterwards and even now.
i'm 20 and have one credit card and mine was leaked
to check go to www.equifaxsecurity2017.com, go to potential impact and follow the prompts
I used that website. So that means I'll have to send a letter?
So I just need to sign up via TransUnion for example and the fraud alert goes to all of the major bureaus? I've heard fraud alerts aren't always 100%, as many times creditors will ignore them. Is that the case or was I being misled?Just a heads up if it hasn't been mentioned. 90 day fraud alert is free and if you do it with one of the big three, it gets processed to all of them where they'll call you if you (or anyone else) applies for a credit card, loan etc. Its the route I decided to go when my credit reports came back without anything negative.
i'm 20 and have one credit card and mine was leaked
to check go to www.equifaxsecurity2017.com, go to potential impact and follow the prompts
Yes. They collect data on whoever they can. I would assume I'm affected until someone can confirm you arent.I've never applied for a credit card, is there anyway this could affect me?
Thank You
Based on the information provided, we believe that your personal information may have been impacted by this incident.
Just a heads up if it hasn't been mentioned. 90 day fraud alert is free and if you do it with one of the big three, it gets processed to all of them where they'll call you if you (or anyone else) applies for a credit card, loan etc. Its the route I decided to go when my credit reports came back without anything negative.
all i know is my discover and 1 of my capital one card does pull your credit report to see if youre eligible for a Credit line increase. some dont though.
So if you don't complete the registration on the given date then you're not officially enrolled in their program? Does that mean you didn't give up your rights to sue?
A Progress Update for Consumers
September 8, 2017
We understand that some consumers are experiencing difficulties getting the answers and support they need through our website and call center. Ramping up the website and call center to handle the anticipated volume is ongoing and we are focused on making improvements as quickly as possible. We apologize for any inconvenience this process has created.
Thus far today, weve made the following adjustments:
1). YOU CAN DETERMINE YOUR STATUS IMMEDIATELY
Some consumers who visited the website soon after its launch failed to receive confirmation clarifying whether or not they were potentially impacted. That issue is now resolved, and we encourage those consumers to revisit the site to receive a response that clarifies their status.
2). NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT
In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and TrustedID Premier terms of use does not apply to this cybersecurity incident.
3). EXPANDED OUR CALL CENTER
We have tripled our call center team to over 2000 agents and continue to add agents.
Our goal is to make this process as convenient and consistent as possible. We will continue to identify steps to improve this process.
And we will continue as well to listen to your comments and suggestions.
this site throws an invalid ssl certificate error..>Equifax finds out about data leak
>Few days later some of their execs sell shares
>Weeks later they alert the public
>Put up a site about the leak, have a form where you fill in your last name and most of your SSN to "enroll" in credit monitoring, turns out you can use that form to find out if your data was leaked or not
>People do some digging and find that the site is set up haphazardly, contains debug code, login info was easily accessible, being hosted on Wordpress and is otherwise lacking in security
>Usage agreement for site says if you use it you give up the right to a class action lawsuit (and there will be one for this data breach, give it time)
>NY AG goes "ah hell naw" and Equifax changes it to "you can opt out of that clause if you send us a letter within 30 days"
>Later say "oh sorry this data breach is excluded from this clause thought that was apparent" (well not like that, but they implied that this data breach was always excluded from that clause, which is a lie given that after people started to complain they only then changed it, and then now seem to have decided the PR hit wasn't worth it)
TL;DR fuck equifax. they had one job and they fucked it up, and they mishandled everything about it afterwards and even now.
i'm 20 and have one credit card and mine was leaked
to check go to www.equifaxsecurity2017.com, go to potential impact and follow the prompts
How do you set that up?Just a heads up if it hasn't been mentioned. 90 day fraud alert is free and if you do it with one of the big three, it gets processed to all of them where they'll call you if you (or anyone else) applies for a credit card, loan etc. Its the route I decided to go when my credit reports came back without anything negative.
The Equifax website was updated yesterday.
How do you set that up?
If you do nothing else, place an initial 90 day fraud alert on your file. This is free and will require lenders to contact you if someone (including yourself) tries to apply for credit. Government info . You only have to do this with one bureau in order for the alert to be placed on all three, and it should take less than 5 minutes:
Equifax OR 1-888-766-0008
Experian OR 1-888-397-3742
Transunion OR 1-800-680-7289
Safeguard your personal information
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this site throws an invalid ssl certificate error..