The dark web scan Discover provides is intriguing, but I already froze my Equifax report and don't feel like unfreezing...and according to DoC, they won't approve you with a frozen report.

I guess anything is better than nothing, but I just wanted to highlight that what Discover offers has a huge gap as it doesn't notify you about inquiries. Another good example of where knowing about inquiries is important is cellphone plan purchases. While most cellphone companies run your credit to open new lines and sell you a device at the store, those accounts don't end up showing in your CR. You only find out when the bills start showing up.

When I opened my Verizon account I was asked a series of questions very few people would know the answer ( one answer was none ) about where I was born, brothers and sisters, car loans I may have had , mortgages, credit cards , etc that I may have had at one time.

A person with my basic info could never answer those correclty

I also had similar questions for my last Barclay card

Still no email from Equifax. Maybe I should give up on their free monitoring and just lock my reports now. :rolleyes:

One of my Chase cards was used for 13 charges on steamgames.com. All occurring within 5 minutes.

Card cancelled.

That could be random and not related to the Equifax breach. Several years ago my husband's Chase ATM card, which was in the drawer and NEVER used, was used somewhere - I think South America. I've had 2 different Chase cards used in Brazil for small amounts - picked up by Chase fraud department. We've never been to South America....you have to wonder how that happens.

We also had an Amex card used in Colombia...mostly fast food restaurants, small purchases. We also had never been there. Amex said they often try small purchases first before revving up for a big hit.

It's like Whack-a-Mole - you can protect yourself on one front, and then another breach pops up.

Very little $$$ for you
 

Interesting article at Market Watch, via Morningstar: http://www.morningstar.com/news/mark...pensation.html Class action suit, if successful, might get you enough $$$ for a lunch or dinner.

A better result of the class action suit would be that Equifax is required to provide credit monitoring for the lifetime of the affected person, as well as unlimited locking and unlocking of credit reporting at every credit reporting entity. My opinion, of course.

Now read this
 

Just hit my email -

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

Sale of identity (extensive info including mother's maiden name), credit card info on the Dark Web - super cheap, worldwide, including high value / high limit cards and business cards. Unnerving, to put it mildly.

I'm tired of waiting for Equifax; I just froze all three major bureaus today as well as ChexSystems. (I froze Innovis a couple days ago.) According to the CFPB there are a ton of other companies that report stuff; is it worth going down the list and freezing those that have that option?

In my opinion you're good. I'm definitely way more cautious than the "I have a CreditKarma account and I'll just monitor that" crowd and I only froze the Big Three (Equifax, Experian, and TransUnion.)

What will be interesting to see is if banks start moving away from Equifax and embracing Innovis.

I guess (to come finding out) i am somewhat naive to credit monitoring. What is the difference with the " I have Credit Karma..." to other options? And better due diligence?

I belong to Amex's Creditsecure for many years. Pull the 3 Credit Report at least once a month, have alerts set up. Plus I use Mint (mostly for budgetary but also can spot any unathourized transactions ) and review all my CC transactions and investments daily.

So I am unsure if that is enough or not.

I requested my Innovis credit report because I'm kinda curious as to what's on it. I didn't think any of the major issuers reported to them but I could be wrong on that.

I think many folks are taking the Equifax hack much too nonchalantly. I've seen many, many people saying "Ill just monitor my credit report, no problem."

The problem with that is identity theft is not limited to credit cards. If someone opens a payday loan with your SSN in - say - Vermillion, SD, you won't know until after the fact. Then you'll have to prove you didn't take that loan. If someone commits a crime and gives your identity, it's on you to prove it wasn't you.

Some seem to think they can just call and say "that wasn't me". Good luck with that. The onus will be on you to prove it wasn't you. The loan company isn't going to just take your word for it. The police won't take your word for it. The collection agency calls won't stop either.

I'm sure others will be posting to call me paranoid but identity theft is not an easy thing to disprove and requires a lot of resources to overcome.