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- PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP
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Don't take this light either. It's like a 9/11 or Pearl Harbor of the banking and personal information world.
The best thing to do is freeze your credit with Equifax, Transunion, and Experian. You all need to take this seriously. If you know nothing about Equifax, they are (probably will be a 'was' soon)one of the big three credit bureaus that hold your credit score. Thus you are in their system and if you ever plan to finance anything or get a credit card, you need to be proactive. http://clark.com/personal-finance-credit/equifax-free-credit-monitoring-data-breach-dont-sign-up/ Like honestly this should be stickied. This kind of information leaking can haunt you for decades And don't sign up for their free year of credit. It prevents from you getting in on a class action lawsuit.
"All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
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I'm only in their system by proxy of my banks giving them my info. I've never signed up for their s***.
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Yell at 'em then
"All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
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Here's another good article on why Equifax specifically is doing a terrible job of controlling the damage from this: https://arstechnica.com/information-technology/2017/09/why-the-equifax-breach-is-very-possibly-the-worst-leak-of-personal-info-ever/
EDIT: PS: Thanks TC for posting about freezing credit, I didn't honestly know that was a thing.
(edited 6 days ago)
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ChromaticAngel posted...
I'm only in their system by proxy of my banks giving them my info. I've never signed up for their s***.
I do drawings and stuff
https://www.fiverr.com/blueblitz |
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I don't remember if I ever signed up at Equifax. I did file an initial fraud alert through Experian's site.
"If the day does not require an AK, it is good." The Great Warrior Poet, Ice Cube
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I was just pissed off about having a credit freeze that I never authorized and the pain of having to deal with getting it lifted. Should I consider myself lucky?
#thingsliberalssay
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I use TransUnion ... am i ok?
Novus Ordo Seclorum
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itachi15243 posted...
ChromaticAngel posted...I'm only in their system by proxy of my banks giving them my info. I've never signed up for their s***. Doesn't matter, that's not how credit bureaus work. Thrillwell posted... I use TransUnion ... am i ok? No.
On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwnia |
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Thrillwell posted...
I use TransUnion ... am i ok? It hit 44% of the population (that's EVERYONE, though, not just those over 18 or who minors who might have an established credit history). You're basically better off assuming at this point that your information was affected. |
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How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card
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Thrillwell posted...
I use TransUnion ... am i ok? No. Banks will share credit info around with each other. |
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how do I freeze my credit? Also if someone has all my information whats stopping them from unfreezing my credit
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Kingbuffet posted...
How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card Freezing your credit means no new accounts can be opened in your name. You can continue to use what already exists. |
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Kingbuffet posted...
How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card This is the official site to see if you are effected, from Equifax: https://trustedidpremier.com/eligibility/eligibility.html It will also let you enroll in their credit monitoring system free for 1 year if you are. A credit freeze, to my knowledge, only freezes opening of new lines of credit. It does not effect your ability to use your current lines of credit.
On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwnia |
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The Chinese already have all my information anyway. Thanks, OPM. I look at my credit information about once a week anyway, so I'm not worried about someone opening a credit account or loan I won't notice.
Many Bothans died to bring you this post.
(edited 5 days ago)
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Master_Bass posted...
The Chinese already have all my information anyway. Thanks, OPM. Dude, same. Stupid government.
"Or do you want to know more about my vagina?"
*LIE* "No" |
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L0Z posted...
how do I freeze my credit? Also if someone has all my information whats stopping them from unfreezing my credit Read the link in the original post, it explains what to do... You establish a PIN with the credit agencies that would theoretically not be known to those parties who already possess your leaked information (since it would theoretically be a leaked PIN).
(edited 5 days ago)
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New York Attorney General has confirmed that their attempt at blocking users of their site from the class action lawsuit is NOT legally enforceable.
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well my credit is f***ed now. Goodbye 800
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ToadallyAwesome posted...
I haven't signed up for that or any of the others It literally doesn't matter, if you have a credit card or have ever applied for a loan, you are probably affected in some manner. |
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Well I put on the 90 day fraud alert. Will consider freezing credit entirely when I get home today. f***ing hell this sucks
The Legend is True!
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f***, and thanks everyone for the heads up and links.
"There is wife assisted suicide. Get married and every day you die a little more" -teltec
http://i.imgur.com/8snn2TX.jpg |
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lol guys. you can get fraudulent things removed from your account. just sign up for a free credit monitoring service like credit karma and itll tell you when new things pop up. if something pops up you dont recognize, you can dispute things online. or you can call them. its painless.
One in a Million, TWICE!
Dahyun is BEST. |
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_BlueMonk posted...
lol guys. you can get fraudulent things removed from your account. just sign up for a free credit monitoring service like credit karma and itll tell you when new things pop up. if something pops up you dont recognize, you can dispute things online. or you can call them. its painless. Well, imo it's easier to pay a few bucks and be proactive about it to stop those fraudulent events from occurring in the first place than playing a reactive role and waiting for it to happen. |
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Corrupt_Power posted...
Kingbuffet posted...How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card I read their terms. You give up right to sue in class action against Equifax if you accept a year of free credit monitoring. I'm not going to give up that right plus I still get a monthly report from AllClearID which sony set up after their massive hack |
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Woooooooooooooooooooooooooo
Glad I already bought a house and car |
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Hexenherz posted...
Well, imo it's easier to pay a few bucks and be proactive about it to stop those fraudulent events from occurring in the first place than playing a reactive role and waiting for it to happen. yeah, that's fair. im just saying its not the hellstorm to their credit that everyone is talking about. you're not going to get 5 new accounts every day on your account (no way it'd be approved). but i would expect auto-approvals to decline, and more difficult security questions (i once asked to say which street was near an address i lived 2 years prior. it was strange) and lets be honest. the hackers already have the information.
One in a Million, TWICE!
Dahyun is BEST. |
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L0Z posted...
Corrupt_Power posted...Kingbuffet posted...How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card https://twitter.com/AGSchneiderman/status/906195350532304896
On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwnia |
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Not sure what Federal loans use.
Edit: apparently it's TransUnion
Hive Mind of Dark Aether, the unofficial Metroid Social Private board.
https://www.gamefaqs.com/boards/851-dark-aether
(edited 5 days ago)
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P4wn4g3 posted...
Not sure what Federal loans use. They plug into credit bureaus as well, my federal student loans show up on my credit reports. You should check if you were effected.
On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwnia |
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They said half of america would be affected which is f***ing scary our cyber security is absolute dog s*** instead of building a border wall we should build a cyber one that will protect our data
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I am going to sue them for millions
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Corrupt_Power posted...
P4wn4g3 posted...Not sure what Federal loans use. I haven't been affected yet. What should I do now? I just signed up with credit karma.
Hive Mind of Dark Aether, the unofficial Metroid Social Private board.
https://www.gamefaqs.com/boards/851-dark-aether |
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P4wn4g3 posted...
Corrupt_Power posted...P4wn4g3 posted...Not sure what Federal loans use. If you're not effected, you should be ok. Equifax says they've contained the breach, so if your info wasn't exposed already, or they don't have anything on you, you should be ok. Just stay aware of your credit and check it now and then, which you should be doing already anyway.
On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwnia |
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Corrupt_Power posted...
P4wn4g3 posted...Corrupt_Power posted...P4wn4g3 posted...Not sure what Federal loans use. I'm just going off what credit karma is saying. The trusted premier page said I could or could not be affected, it wasn't very helpful.
Hive Mind of Dark Aether, the unofficial Metroid Social Private board.
https://www.gamefaqs.com/boards/851-dark-aether |
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DrizztLink posted...
Did USAA get hit? That's not how credit bureaus work. If you have, or have ever had, any sort of credit, there's a decent chance Equifax has something on you. Credit bureaus all share information between each other, and all credit-related things get reported to them. This breach is effecting nearly half of the entire US population. Think about that.
On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwnia |
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P4wn4g3 posted...
Corrupt_Power posted...P4wn4g3 posted...Corrupt_Power posted...P4wn4g3 posted...Not sure what Federal loans use. It said could or could not? That's amazingly vague, and f***ing stupid. Going forward, I would just keep a close eye on your credit. I believe Credit Karma has a free system that will notify you of changes to your credit report, I would take advantage of that. I would also seriously consider freezing your credit profiles if you have no intention of opening new lines of credit in the near future, or signing up for a more robust, active credit monitoring service.
On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwnia |
 ;)
Not removing this until Pat Benatar is in Super Smash Bros. (Started 8/31/2010)
FantaCE Football Squad (0-0): http://i.imgur.com/lRKls9E.png (Updated Weekly) |
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for reference, you can get free transunion monitoring from Credit Sesame, free Equifax monitoring from Credit Karma, and Experian's website lets you sign up for a free account (scroll down on the sign up page) for free monitoring from them.
One in a Million, TWICE!
Dahyun is BEST. |
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Corrupt_Power posted...
P4wn4g3 posted...Corrupt_Power posted...P4wn4g3 posted...Corrupt_Power posted...P4wn4g3 posted...Not sure what Federal loans use. I guess I'll have to figure out how to freeze it. I don't really use credit.
Hive Mind of Dark Aether, the unofficial Metroid Social Private board.
https://www.gamefaqs.com/boards/851-dark-aether |
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Something fun to think about:
Equifax says they generally don't have information on minors, which make sense because they rarely have credit profiles. The "44% of Americans effected" is coming from 143 million people's information being exposed, compared against the US population of 323 million. A 2010 Census stated that people under 18 years old account for about 24% of the population in the US, or about 77.5 million of the 323 million. That leaves about 245.5 million adults. So... if we take the 143 million effected people, and compare it against the 245.5 million adults, we come up with a little over 58% of adults effected. This also doesn't take into account adults who have little or no credit, and thus Equifax likely doesn't have information on them. It's pretty easy then to say that the percentage of adults with active credit profiles, effected by this breach, is well over 60%.
On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwnia |
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I like how @Corrupt_Power has an appropriate name and knowledge
"All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana
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https://arstechnica.com/information-technology/2017/09/so-equifax-says-your-data-was-hacked-now-what/
On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwnia |
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Goddamnit
this just here so I ain't a smelly sigless user
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Unsugarized_Foo posted...
I like how @Corrupt_Power has an appropriate name and knowledge I really do love my username, haha.
On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwnia |
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Corrupt_Power posted...
Kingbuffet posted...How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card If it says we weren't impacted, based on that link, I don't have to do anything else right?
Posted with GameRaven 3.2.2
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- Boards
- Current Events
- PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP
- Boards
- Current Events
- PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP
emblem boy posted...Corrupt_Power posted...
Kingbuffet posted...
How could we possibily know if our credit is affected, ehat does freeezing it accomplish. What if you still like to use your credit card
This is the official site to see if you are effected, from Equifax:
https://trustedidpremier.com/eligibility/eligibility.html
It will also let you enroll in their credit monitoring system free for 1 year if you are.
A credit freeze, to my knowledge, only freezes opening of new lines of credit. It does not effect your ability to use your current lines of credit.
If it says we weren't impacted, based on that link, I don't have to do anything else right?
Correct, however you should be paying attention to your credit profile anyway.On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwniaMy banks send notifications to my phone every time there is a credit change, or if there was no change at the end of a month they tell me there was no change that month.i think the real issue is other things like bank accounts.
a scammer could open an account in your name, write a bunch of bad checks and the bank will go after YOU for their money.
or open phone accounts
or anything really.
but again, its identity theft so itll be easy to get off your report (though a hassle) so it's not TOO bad.One in a Million, TWICE!
Dahyun is BEST.Unauthorized access to limited personal information for certain U.K. and Canadian residents
huh
I feel like my chances of being affected are pretty low but I guess it could be possibleTHIS IS WHAT I HATE A BOUT EVREY WEBSITE!! THERES SO MUCH PEOPLE READING AND POSTING STUIPED STUFFAw, it says my stuff was breached. f***ing dolts. They have one job."All I have is my balls and my word, and I don't break them for anyone!"-Tony MontanaWho says your stuff was breachedHive Mind of Dark Aether, the unofficial Metroid Social Private board.
https://www.gamefaqs.com/boards/851-dark-aetherThey do"All I have is my balls and my word, and I don't break them for anyone!"-Tony MontanaCorrupt_Power posted...This is the official site to see if you are effected, from Equifax:
https://trustedidpremier.com/eligibility/eligibility.html
is this safe? I'm not cool with giving someone who just lost my s*** my SSN
or i guess it doesn't even matter at this pointCould just be their way to test it
Add Person Test with Social 123456 to the group ID list and see if the program works"All I have is my balls and my word, and I don't break them for anyone!"-Tony MontanaCEs_EFG posted...
Corrupt_Power wow it's apparently bulls***
Holy s***
What if the whole thing was an elaborate marketing ploy
I mean, that could be why they're offering a one-year trial of their credit monitoring program or whatever it is
GRANTED, it's possible that Equifax actually used "test" and "123456" as their own testing to see if it works, like maybe they put in a dummy account or something. But still, I'd say that's reaching.Not removing this until Pat Benatar is in Super Smash Bros. (Started 8/31/2010)
FantaCE Football Squad (0-0): http://i.imgur.com/lRKls9E.png (Updated Weekly)(edited 5 days ago)Bump"All I have is my balls and my word, and I don't break them for anyone!"-Tony Montanas*** like this makes my blood boil.Muffinz0rz posted...CEs_EFG posted...
Corrupt_Power wow it's apparently bulls***
Holy s***
What if the whole thing was an elaborate marketing ploy
I mean, that could be why they're offering a one-year trial of their credit monitoring program or whatever it is
GRANTED, it's possible that Equifax actually used "test" and "123456" as their own testing to see if it works, like maybe they put in a dummy account or something. But still, I'd say that's reaching.
That makes sense
I just entered my info and I'm not effected.
Am I like the only one though? >.>I do drawings and stuff
https://www.fiverr.com/blueblitzthey could have just put that up to try to get people to waive their rights to sueFLUFFYGERM posted...they could have just put that up to try to get people to waive their rights to sue
Well that's precisely what they did. Anyone who doesn't consider themselves morally bankrupt or a joke would send a letter notifying everyone whose data was breached.
You don't get to take information that was given to you, willingly or otherwise, and then not tell me when that info was compromised.(edited 4 days ago)itachi15243 posted...Muffinz0rz posted...
CEs_EFG posted...
Corrupt_Power wow it's apparently bulls***
Holy s***
What if the whole thing was an elaborate marketing ploy
I mean, that could be why they're offering a one-year trial of their credit monitoring program or whatever it is
GRANTED, it's possible that Equifax actually used "test" and "123456" as their own testing to see if it works, like maybe they put in a dummy account or something. But still, I'd say that's reaching.
That makes sense
I just entered my info and I'm not effected.
Am I like the only one though? >.>
It's likely a test entry, or possibly the tool defaults to may be impacted if it doesn't explicitly know.On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwnia
Motherf***er
I tested it with a fake name and added +1 to my own social security number, and it said it wasn't affected so it's not automatically saying you're affected.~A little nonsense, now and then, is relished by the wisest men ~
TWSSted since~ 3/27/12 https://i.imgur.com/zlaENmx.png(edited 4 days ago)The bright side is that certainly not everyone will be truly affected.
There's only a limited number of scumbags that are going to use people's information to commit identity theft/fraud. Though there's a lot of scumbags out there, it's not hundreds of millions."I think that man will be president right about the time when spaceships come down filled with dinosaurs in red capes" - Tom HanksSo should we enroll in this s*** or not? Some people are saying if you do you waive the right to sue them or something.That link says I'm unaffected. Now everyone just looks like a bunch of paranoid crazies.doug123 posted...So should we enroll in this s*** or not? Some people are saying if you do you waive the right to sue them or something.
No, its bandaid when you need some med-foam anyway."All I have is my balls and my word, and I don't break them for anyone!"-Tony MontanaCapn Circus posted...The bright side is that certainly not everyone will be truly affected.
There's only a limited number of scumbags that are going to use people's information to commit identity theft/fraud. Though there's a lot of scumbags out there, it's not hundreds of millions.
You're ignoring the fact that this information can potentially be used for the rest of your life. It's why everyone is lambasting the 1 year protection that Equifax is offering.
doug123 posted...So should we enroll in this s*** or not? Some people are saying if you do you waive the right to sue them or something.
More protection is better, there's no reason not to. Equifax has cleared up the ToS thing, saying the arbitration and class-action clauses don't apply to the "cybersecurity incident" as they are putting it.On Android? Check out GameRaven: http://tinyurl.com/GameRaven
http://i.imgur.com/ZAEZQUQ.png -mcpwniaSays I might have been affected
NEATOMaster_Bass posted...The Chinese already have all my information anyway. Thanks, OPM. I look at my credit information about once a week anyway, so I'm not worried about someone opening a credit account or loan I won't notice.
Yeah, thanks OPM. Didn't have the funds at the time to actually do a background check (it was during the sequester), but at least they had the information I provided in order to lose it.I may have been affected, fantastic.
The worst part of all this is that nothing will change. Equifax knew about the hack back in May, bribed Congress to pass laws to protect themselves before going public, and three Equifax executives sold their shares before the story broke.
And nothing will change, nobody will go to jail. Our country is corrupt and we need to fight back for our rights.ChromaticAngel posted...I'm only in their system by proxy of my banks giving them my info. I've never signed up for their s***.
Same here. I still recommend you monitor your credit very closely though.Thanks for the heads up. I'm not giving up my right to sue though. I already keep an eye on my credit. I'll just be more adamant about it now.Am I going too hard?tagSW-8316-3213-4720At this moment, I've never been happier to have tanked my credit rating."I'm the straightest guy on this board. I'm so straight that I watch gay porn." - SmarkilI checked all my accounts and nothing looked different. I have no clue about this stuff. My mom and step dad and aunt are looking into s***. I hate this digital currency era.That's the wall brother!One thing to watch out for is people using your information to get into your bank accounts and drain them, since they have all of your identifying info that is supposed to be private. They can sometimes determine what bank you are with based on where you have loans or credit cards.GT: Disturbed Brute
PSN: phreedone11485So what's the verdict, do I sign up for this TrustedID Premier thing or not? Equifax is calming that it doesn't waive your rights to sue, but I see conflicting information. What are you guys doing?doug123 posted...So what's the verdict, do I sign up for this TrustedID Premier thing or not? Equifax is calming that it doesn't waive your rights to sue, but I see conflicting information. What are you guys doing?
I was lucky enough to not be effected according to Equifax. But if I were you I'd wait for all information before signing up, and freeze your creditI do drawings and stuff
https://www.fiverr.com/blueblitztagWe're here.This is a good topic, at the very least I recommend people use credit karma's free service. It will let you know if any new accounts get opened up anywhere...Smash DS Code: 4554-0120-5368 SB4 Name: Roz
RIP: Orlando of the Axe Karma: 1642 --he delivered!Good thing my SSN gets changed every year so this won't be an issue forever.I'm your huckleberry.What if I have no Credit?GT: Deprece (X1) Hunter 32/ Titan 32/ Warlock 32
IB/ GHorn/ Vex/ Faithbringer/ Thunder/ EtcSo we're saying having Credit karma is good enough since it'll warn us about hits and new accounts?Slow and steady wins the race2SweetforTurtle posted...So we're saying having Credit karma is good enough since it'll warn us about hits and new accounts?
I believe so, yes.
The freeze is definitely the safest way, but it's kinda a pain and may cost money in some states.
I am perfectly satisfied with credit karma, that will let me know if anything I haven't done personally is happening.
Remember you are one of 143 MILLION people on a list.Smash DS Code: 4554-0120-5368 SB4 Name: Roz
RIP: Orlando of the Axe Karma: 1642 --he delivered!(you are)
That impact check thing says I'm not. :VThis is LinksLiege's signature. It is fantastic.See, ovet here in canada we can't do much. Even checking if we were affected requires waiving rights to any future legal action
Cant wait for our limp-dick government to bend to the will of equifax and do nothing for the citizens.This may have been discussed already, how long are we supposed to know to keep the credit freeze active?GT: ShadowElite86ShadowElite86 posted...This may have been discussed already, how long are we supposed to know to keep the credit freeze active?
Basically forever, until you personally decide to open a new cardSmash DS Code: 4554-0120-5368 SB4 Name: Roz
RIP: Orlando of the Axe Karma: 1642 --he delivered!Dustin1280 posted...ShadowElite86 posted...
This may have been discussed already, how long are we supposed to know to keep the credit freeze active?
Basically forever, until you personally decide to open a new card
Wow, what a pain in the f***ing ass. It also costs to temporarily lift the freeze....GT: ShadowElite86Well, today is my enrollment date, so I suppose I might as well do it.Some of you may find this helpful: https://www.reddit.com/r/YouShouldKnow/comments/6znofc/ysk_what_your_options_for_responding_to_equifax/Bosses are immune to the eat command so it won't be possible to end the final boss fight of the game by eating it.
-VeghEstherSo we basically need to pay $100 dollars plus a decent amount of time and effort in order to opt out of the anti-lottery. It almost seems like the odds are so bad that it isn't worth spending the time and money.I've never had a credit card in my life. However I do have student loans and a car loan. And that Equifax site did say my info might've been affected.
I have credit monitoring via Credit Karma. Should I still freeze my credit?AKA Level 36 ForestWanderer / ObjectiveLogic
http://www.poorcouplesfoodguide.com - Pizza Time!ForestLogic posted...I've never had a credit card in my life. However I do have student loans and a car loan. And that Equifax site did say my info might've been affected.
I have credit monitoring via Credit Karma. Should I still freeze my credit?
Just pay attention to your credit karma reports. IF anything happens that you didn't authorize takes steps at that time.Smash DS Code: 4554-0120-5368 SB4 Name: Roz
RIP: Orlando of the Axe Karma: 1642 --he delivered!- Boards
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- PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP
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- PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP
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- PSA: If you affected by the Equifax hack (you are) freeze your credit ASAP
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