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Equifax data breach

  1. #1
    World Trackday Champion xxaarraa's Avatar
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    Equifax data breach


    What's everyone doing after the Equifax breach?

    I am thinking of placing a proactive "fraud alert" on my credit report - that should force any creditors to contact me personally before approving credit. Supposedly the alert doesn't impact your score.

    Anyone have experience with placing a fraud alert in the past?

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    Last edited by xxaarraa; 09-12-17 at 07:21 AM.
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    Personally, I would just call up Shell and see which bike they have specified for Rotella.

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    Lifer backinthesaddle's Avatar
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    Re: Equifax data breach

    One day I go on their site and it says my data is affected. The next day it says it isn't. I try to enroll in the identity program and it gives me a future date to do it. I then login for another family member and it allows me to enroll immediately. Very inconsistent.

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  3. #3
    World Trackday Champion xxaarraa's Avatar
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    Re: Equifax data breach

    Quote Originally Posted by backinthesaddle View Post
    One day I go on their site and it says my data is affected. The next day it says it isn't. I try to enroll in the identity program and it gives me a future date to do it. I then login for another family member and it allows me to enroll immediately. Very inconsistent.
    Interesting.

    I went to their identity program and it asked me to enter ALL my very personal information including full social, address, etc. Why the hell would I give all that again to a company that wasn't secure enough to start with? I don't trust their program, I am going to go elsewhere.

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    Quote Originally Posted by backinthesaddle View Post
    One day I go on their site and it says my data is affected. The next day it says it isn't. I try to enroll in the identity program and it gives me a future date to do it. I then login for another family member and it allows me to enroll immediately. Very inconsistent.
    Interesting.

    I went to their identity program and it asked me to enter ALL my very personal information including full social, address, etc. Why the hell would I give all that again to a company that wasn't secure enough to start with? I don't trust their program, I am going to go elsewhere.

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    Quote Originally Posted by Ductard View Post
    Personally, I would just call up Shell and see which bike they have specified for Rotella.

  4. #4
    Senior Member AEG's Avatar
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    Re: Equifax data breach

    Also if you enroll into the Equifax credit monitoring protection program you will waive your rights for the class action lawsuit by checking little box "I Agree".

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  5. #5
    Senior Member AEG's Avatar
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    Re: Equifax data breach

    CreditCarma is free and very good at monitoring your financial activities

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  6. #6
    World Trackday Champion xxaarraa's Avatar
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    Re: Equifax data breach

    Anyone have experience with placing a fraud alert on your credit file? Sounds like a smart thing to do on paper, but I don't want to do it if its going to turn into a huge hassle or negatively impact me in any way.

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    Quote Originally Posted by Ductard View Post
    Personally, I would just call up Shell and see which bike they have specified for Rotella.

  7. #7
    Senior Member AEG's Avatar
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    Re: Equifax data breach

    You can 'freeze' your credit and it is the only bullet-proof method to protect yourself. Just know that You will not be able to get a new credit anywhere unless you unfreeze yourself first.

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  8. #8
    Lifer Stromper's Avatar
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    Re: Equifax data breach

    The f'n executives unloaded their stock BEFORE making the announcement

    Hope they join Martha at Club Fed

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  9. #9
    Lifer Chippertheripper's Avatar
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    Re: Equifax data breach

    Martha is out.

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  10. #10
    Lifer oVTo's Avatar
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    Re: Equifax data breach

    Quote Originally Posted by AEG View Post
    Also if you enroll into the Equifax credit monitoring protection program you will waive your rights for the class action lawsuit by checking little box "I Agree".
    Maybe true when it started, but not any longer.
    I signed up for credit protection and will freeze it once they've sent me confirmation - they said they need to check credit report as part of the program so I can wait a couple of days.

    The thing that sucks the most is that in MA it's $5 to freeze your credit and $5 to unfreeze it, and you have to freeze all 3 - Equifax, Experian, and Transunion. Equifax is waiving their freeze fee for 30 days, but that's still $25 to freeze/unfreeze everything. They screw up, we pay. If all 143 million people affected freeze their accounts, Equifax will get $715 million in extra revenue from the accounts thawing. Gotta love big business.

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  11. #11

    Re: Equifax data breach

    Can't even get into their website!

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  12. #12
    Lifer Stromper's Avatar
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    Re: Equifax data breach

    On news that their site crashed due to volume

    Also it is up to virtually EVERY USA resident

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  13. #13
    Senior Member AEG's Avatar
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    Re: Equifax data breach

    Yep. Pretty much everyone who applied for or used any type of credit. Now what are the chances you are to be hit? Is it a very common last name or what I think fewer changes to get hit if you have an unusual name?

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  14. #14
    Grizzly Fuckin Adams dhuze's Avatar
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    Re: Equifax data breach

    Quote Originally Posted by AEG View Post
    You can 'freeze' your credit and it is the only bullet-proof method to protect yourself. Just know that You will not be able to get a new credit anywhere unless you unfreeze yourself first.
    It's not bullet-proof. Many companies extend credit without looking at your actual credit reports. It only protects you against companies that do. It will certainly help with large purchases and mortgages.

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  15. #15
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    Re: Equifax data breach

    Freezing isn't a silver bullet but it does make it harder for fraudsters to do their thing with your credit. You can always unfreeze if you, say, apply for a car loan. Ask the bank what credit bureau they pull from and when and then make sure its thawed out on that day

    Anyway, I went ahead and froze my credit at all four bureaus -

    Experian -online, 10 minutes, $5 Security Freeze Center at Experian
    TransUnion - online - 10 minutes, they want to sell you a credit monitoring service, F-them, $5 TransUnion
    Equifax - multiple attempts, try late at night, their servers are getting crushed, iirc there was no charge Please Wait For Page To Load
    Innovis - online, but they send you snail mail to confirm, waiting on that Security Freeze

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