I froze my credit with Equifax for now. I'll evaluate what I want to do before their "waiving of fees" ends in a couple of months in regards to freezing at the other bureaus. I love to churn, but I'm on hold for a possible mortgage next year anyway, and worst case scenario is I have to deal with ID theft right when I want to move.

Churning has been awesome. But many of the "good" bonuses I can't get for another year or so anyway, and I have enough spending thresholds or targeted spending bonuses on my existing cards to keep me occupied.

I locked my Innovis credit report this morning; I'm holding off on the other three until I'm fully signed up for TrustedID. Why the latter requires waiting hours/days for an email is beyond me.

I also printed their current Terms of Use in case they try to go back on the arbitration thing. :rolleyes:

What identity theft can be like....
 

Just got this in my email today -

https://www.bloomberg.com/news/artic...bloombergdaily

I grabbed a Discover card, they have a service that tells you if your SS # was used

From here:

Based on that, wouldn't it be fairly straightforward for someone to make a convincing enough fake ID to convince the credit bureaus to reset one's PINs?

It gets better.

Just log in with admin/admin and it's all in clear text. Up until earlier today, that is.

Ayuda! (Help!) Equifax Has My Data!

That's a BALLSY move to go face to face with a banker as you try to steal an ID. You could easily be caught and you are on camera the entire time.

I have to wonder ( especially since we know how Fargo operates) if the banker wasn't also in on the scam.

I wouldn't rely on that alone. Discover only lets you know when an account is opened and not when an inquiry is made. You could end up receiving notice of a new account a month after the account was created (they normally show up in your report when the first statement is cut).

Better than nothing IMO unless you plan on permanently freezing your credit.

They also let you know if they find your SSN on the "dark web". But obviously only in the places they know how to look, it's unclear if they know all of the places on the "dark web" to look.

So, when I freeze all 3 bureaus, and then want to apply for a new credit card, do I need to un-freeze all 3? Or will 1 suffice?

It depends on the issuer. Most only check one bureau but there are exceptions (Capital One, for example, pulls all three.)

OK, but if I only un-freeze one, will the card issuer check THAT bureau? Or is it an unknown which they will check, so one needs to un-freeze all three to be sure? Or does each issuer (Chase, Citi, Barclay, etc) has their own 'favorite' so if I know which bureau each prefers, I only need to un-freeze that one? If that is true, we should add that info to the wiki :)

Equifax stock plummeted another $18 today after last week's $20 drop. If the company isn't going out of business, they've at least lost an enormous share of their support from investors over the last week or so.

I was able to finally "enroll" in their credit monitoring services; however, they said to wait for an e-mail to finishing enrolling... I signed up early yesterday morning and haven't even received the e-mail yet. Why the need to take so long?

They seem to have their own favorite based on the state you're in. Doctor of Credit has a post series that collects that info for the major issuers.