What gives the idea that government is more secure? Didn't the Chinese steal the SSNs of all gov employees 2 yrs ago? Isn't IRS hit with identity theft tax refunds every year and they have no idea until the taxpayer themsleves finds out? Heck, even NSA, the most secure division - their software and classified info gets leaked all the time!
The name of the game these days is not security but monitoring. Just have to be vigilant on what's going on with your accounts. If one thing government can do is perhaps change the laws. because now if you're hit with identity theft, you alone have to spend all the effort just to get back to pre-identity theft. Or a division that helps consumers with identity theft.
Also, 3 credit bureau system probably helps consumers more than harms. Especially people here, considering for a simple fact that now they can split the 50 hard pulls over 3 places than just 1 place and spook all lenders.
But I agree that equifax is the most useless and inept of the 3 so if it was going to happen to any one of them, my guess would've been them.
Originally Posted by
mikesyr18
That's the whole idea... We get our $51 and then we put one of the three corrupt bureaus out of business, and the most corrupt one at that.
In fact, I'd be so happy if all three of these worthless, data mining companies went out of business that I'd break into my happy dance if they did.
There should only be one credit score and one bureau ran by the government, not some independent company or companies.... Not 20 different scoring versions with three different companies so the consumer pays for one score, but the lender pulls another with a completely different score... Just another scam.
Today is the 9th and I still get a stupid prompt to wait until 9/13 to see any information.
"We know it's possible that you were affected by the data breach, but we're going to make you wait another four days to see if you actually were affected even though we just wrote that we'd fix this problem yesterday."