Sep 12, 2017, 8:14 pm
HUGE data breach at Equifax
Sep 13, 2017 | 11:55 am
#91
Join Date: Sep 2015
Posts: 70
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.
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.
Sep 13, 2017 | 12:00 pm
#92
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,745
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.
I also printed their current Terms of Use in case they try to go back on the arbitration thing.
Sep 13, 2017 | 2:12 pm
#93
Join Date: May 2011
Posts: 93
What identity theft can be like....
Sep 13, 2017 | 2:57 pm
#95
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,745
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?
What if I lose my PIN?
If you lose the PIN given to you by a credit bureau, send a letter to address on the sample letter attached to this sheet. Explain that you have lost your PIN and would like a new one. Provide your full name, address and Social Security number in the letter. Enclose a photocopy of your drivers license or other government-issued photo ID.
If you lose the PIN given to you by a credit bureau, send a letter to address on the sample letter attached to this sheet. Explain that you have lost your PIN and would like a new one. Provide your full name, address and Social Security number in the letter. Enclose a photocopy of your drivers license or other government-issued photo ID.
Sep 13, 2017 | 2:59 pm
#96
Join Date: Jun 2002
Posts: 960
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!
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!
But wait, it gets worse. From the main page of the Equifax.com.ar employee portal was a listing of some 715 pages worth of complaints and disputes filed by Argentinians who had at one point over the past decade contacted Equifax via fax, phone or email to dispute issues with their credit reports. The site also lists each persons DNI the Argentinian equivalent of the Social Security number again, in plain text. All told, this section of the employee portal included more than 14,000 such records.
Sep 13, 2017 | 3:16 pm
#97
Join Date: Feb 2009
Posts: 7,115
I have to wonder ( especially since we know how Fargo operates) if the banker wasn't also in on the scam.
Sep 13, 2017 | 4:43 pm
#98
Join Date: Apr 2014
Posts: 542
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).
Sep 13, 2017 | 5:17 pm
#99
Join Date: Feb 2009
Posts: 7,115
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).
Sep 13, 2017 | 6:52 pm
#100
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 26,113
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).
Sep 13, 2017 | 10:07 pm
#102
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,745
Sep 13, 2017 | 10:13 pm
#103
Join Date: Nov 2003
Location: LAX
Posts: 650
Sep 14, 2017 | 12:25 am
#104
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
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?
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?
Sep 14, 2017 | 5:23 am
#105
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,745
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