Not sure. I know it doesn't
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Equifax Data Breach could affect 143 million customers
- Thread starter PsychoSoldier
- Start date
Not sure. I know it doesn't
xenoncrash
Member
Froze Equifax, Experian and Transunion.
Is there any benefit to freezing ChexSystems? Would I be vulnerable if I didn't any my data was leaked?
Is there any benefit to freezing ChexSystems? Would I be vulnerable if I didn't any my data was leaked?
I did it just to be safe. There was no cost associated. I believe they are the "credit bureau" of the banking world. If you go in the negative in checking accounts (etc.) and don't pay them back, you'll get flagged. If you try to open an account at another bank, they always check your information in ChexSystems. It's like a mini credit report for banks.
xenoncrash
Member
Ok, thanks. Went ahead and froze that too.
Like 10 posts back I made a whole thingy.
More than likely.
Most credit limit increases rely on a quick pull of your credit report, but a few don't.
I'd wait, and freeze later.
Experian says they can't accomodate my request right now to put a fraud alert on my credit...
Had this same problem when trying to verify my identity last year for my free credit report; I guess when I bought my car earlier this decade, a loan with a balance of 0 was opened in my name by the dealership, so I legitimately can't answer the question of who I got a loan from :/.
Had to go through all 3 credit agencies multiple times before I got a set of questions whose responses were deemed satisfactory.
(Credit score was like 826 last I checked)
Had this same problem when trying to verify my identity last year for my free credit report; I guess when I bought my car earlier this decade, a loan with a balance of 0 was opened in my name by the dealership, so I legitimately can't answer the question of who I got a loan from :/.
Had to go through all 3 credit agencies multiple times before I got a set of questions whose responses were deemed satisfactory.
(Credit score was like 826 last I checked)
RedAssedApe
Banned
so i still get like monthly e-mails from AllClear ID Fraud Detection from the Sony/PSN breach from awhile back.
would that have any use here?
would that have any use here?
Nazgul_Hunter
Member
*Equifax
Just had this massive data breach, failed to disclose it, had executives sell stock right before they disclosed it....
and the page they set up to check whether you got breached gives you such a basic false positive as putting Last Name: "Test" and SSN: 123456?
This company is just garbage
https://twitter.com/zackwhittaker/status/906247688768905216
Just had this massive data breach, failed to disclose it, had executives sell stock right before they disclosed it....
and the page they set up to check whether you got breached gives you such a basic false positive as putting Last Name: "Test" and SSN: 123456?
This company is just garbage
https://twitter.com/zackwhittaker/status/906247688768905216
Soapbox Killer
Grand Nagus
I think it was equifax by the way
Nazgul_Hunter
Member
Fuck. Mods please change :S
Someone used fake name and social security number.
Seems they're basically telling every single person who checks that their data was breached?
Soapbox Killer
Grand Nagus
This is why I want off the damed grid. Green Acres 2017 gritty reboot
Aarglefarg
Member
@Lee_Ars: "appears to be the default unless your account is actually safe. keeps site from functioning as an ID validation tool by ID thieves."
https://mobile.twitter.com/Lee_Ars/status/906255268622848001
https://mobile.twitter.com/Lee_Ars/status/906255268622848001
BreezyLimbo
Banned
reading the thread, one person got multiple results using gibberish. IE some gibberish came up compromised, some didn't.
Aarglefarg
Member
As long as it doesn't respond "this person isn't on our database" then I don't think it's an issue?
MiddeSummer
Banned
Just have to rant...
So earlier today I got a suspicious call from some dude with an accent and a fucking rooster crowing in the background asking me to verify information about some distinct things from my credit history.
Needless to say I told him to fuck off and hung up in the elevator (yes, my phone managed to work in the elevator). After a quick exchange with another person in the 'vator, he suggested I freeze my credit immediately.
Experian freezes no problem.
Transunion freezes no problem.
Fucking Equifuckface can't process my freeze request and tells me I have to mail it in with a check for the freeze charge (my state requires a fee).
They also don't allow customer service calls if you don't have an account with them.
Accounts cost $20 a month.
I have never want to punch someone in the face more. Does anyone with an account with them have the behind-the-paywall customer service number? Considering someone already is trying to get into my information, I don't want to wait for this to go through the mail system.
Edit: I can't scream "Shit-tier company" out into the universe enough right now.
Edit2: found over-the-phone freeze service (1-800-349-9960). Gonna try that.
Edit3: Phone system did it. They have to mail my pin and I didn't get to choose it like I did the others, which sucks. Still want to punch somebody. I'm trying to buy a house.
So earlier today I got a suspicious call from some dude with an accent and a fucking rooster crowing in the background asking me to verify information about some distinct things from my credit history.
Needless to say I told him to fuck off and hung up in the elevator (yes, my phone managed to work in the elevator). After a quick exchange with another person in the 'vator, he suggested I freeze my credit immediately.
Experian freezes no problem.
Transunion freezes no problem.
Fucking Equifuckface can't process my freeze request and tells me I have to mail it in with a check for the freeze charge (my state requires a fee).
They also don't allow customer service calls if you don't have an account with them.
Accounts cost $20 a month.
I have never want to punch someone in the face more. Does anyone with an account with them have the behind-the-paywall customer service number? Considering someone already is trying to get into my information, I don't want to wait for this to go through the mail system.
Edit: I can't scream "Shit-tier company" out into the universe enough right now.
Edit2: found over-the-phone freeze service (1-800-349-9960). Gonna try that.
Edit3: Phone system did it. They have to mail my pin and I didn't get to choose it like I did the others, which sucks. Still want to punch somebody. I'm trying to buy a house.
Nope, the three credit reporting companies are "independent" and there can be differences between the 3 reports.
It's a jacked up system.
mindatlarge
Member
Supposedly, letters will be sent out to those affected. I don't trust the little website they made to check right now, so I'm just kinda waiting on that and not flipping out yet.
Considering how many American adults may be affected, I guess it also makes me relax a bit more, like something may be done on a government level to help fix this mess since it's so widespread. New social security numbers is probably asking too much though.
People are still asking so here it is again.
Is this site bs then?
https://www.consumer.ftc.gov/articles/0275-place-fraud-alert
Equafax has different number on there.
Edit. Lol NVM it's a gov site
MiddeSummer
Banned
No, they don't prevent use of cards or even prevent your credit score fluctuating. They simply block anyone from pulling your credit reports, which prevents accounts from being opened. You can temporarily thaw your account for wanted credit pulls or remove the freeze altogether whenever you want, but it may come with a fee depending on what state you live in.
If you have a Credit Karma account, it also won't affect CK unless you try to register after you freeze your credit.
Seems I'm affected. Froze my credit at all 3. Here's hoping for the best.
Equifax didn't even have the security questions like the other two. It didn't ask me to make a PIN number either, rather it gave me one at the end. Compared to the other two, Equifax is lacking. Is that normal?
Equifax didn't even have the security questions like the other two. It didn't ask me to make a PIN number either, rather it gave me one at the end. Compared to the other two, Equifax is lacking. Is that normal?
Their site seems to be having issues. I tried to register and went through the whole process without noticing I had actually asked for a freeze on an account they couldn't find. I went back to check after realizing I should have had to pay, put my actual info in, and then got an error.
I think the best course of action is to call in and freeze.
I think it's enrollment into their monitoring program. You come back on the 14th to actually finish signing up for the program.
Since you got the 'enroll' button, it means you account might be compromised.
There's a post above about what you can do to protect yourself: freezing your credit. For now, be vigilant about any activity.
I had a date of the 12th, but today I tried again and it told me that I may be affected. I guess you needn't wait until 14th to check again.
Aarglefarg
Member
I was seeing reports that enrolling means you can't join a class action.
Elizabeth Warren saying it: https://twitter.com/SenWarren/status/906198475699879936
Damn I just enrolled. Can I cancel?
Nordic4tKnight
Member
Yep, same here. Nice thing is that one fraud alert applies to all agencies, but only for 90 days.
entremet
Member
How do you that?
User Name Here
Member
They had to wait for a good time to sell their shares ya know.
TheBaldEmperor
Member
Thank you
User Name Here
Member
I'm wondering the same thing.
Shifty1897
Member
I'm suing this garbage tier company into the ground and then pissing on its smoldering remains. There will only be 2 credit bureaus after all this.