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New Contributor
Posts: 59
Registered: ‎04-17-2017

Re: Equifax - data breach - 143 million US consumers

[ Edited ]

 

L A Times article states:
 

"Equifax said it launched a website for people to check whether their data were affected and to sign up for the company’s credit-monitoring services. But a form on the website purportedly offering to “check potential impact” instead just gives users a date on which they must return to Equifax’s website to enroll in credit monitoring. The discrepancy drew quick scorn from consumers on social media. Equifax declined to comment on the issue."

http://www.latimes.com/business/technology/la-fi-tn-equifax-data-breach-20170907-story.html

 

 

 

- TU 731 EQ 730 EX 734 / 10 month credit history / gardening until 03 / 01 / 18
- AAOA = 7 months
- Utilization = 2%
- 3 inquiries (EX) 4 inquiries (TU) 5 inquiries (EQ)
- 9 accounts: OpenSky secured 500, Primor secured 400, Capone secured 500, J Crew 1400, William Sonoma Visa 2k, QS1 600, Target 300, Pottery Barn 750, Amex Everyday 3k

Updated 09 / 01 / 2017
Member
Posts: 11
Registered: ‎02-21-2017
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Heard about Equifax security breach?

Has anyone else heard about the major Equifax security breach? Apparently hackers were able to access the names, ss numbers, addresses, etc of over 140 mil people. Yet another reason to be super vigilant about keeping an eye on changes to your credit profile.
Regular Contributor
Posts: 126
Registered: ‎06-06-2015
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Re: Equifax - data breach - 143 million US consumers

[ Edited ]

Never really considered going through with freezing all 3 reports until now. I just hate how in my state, it's $10 per agency to freeze and $10 to unfreeze.

Established Member
Posts: 56
Registered: ‎08-25-2016

Re: Equifax - data breach - 143 million US consumers


gamewithrules wrote:

 

L A Times article states:
 

"Equifax said it launched a website for people to check whether their data were affected and to sign up for the company’s credit-monitoring services. But a form on the website purportedly offering to “check potential impact” instead just gives users a date on which they must return to Equifax’s website to enroll in credit monitoring. The discrepancy drew quick scorn from consumers on social media. Equifax declined to comment on the issue."

http://www.latimes.com/business/technology/la-fi-tn-equifax-data-breach-20170907-story.html

 

 

 


So like a case study on how NOT to respond to cyber hacks: Delay the public announcement, conduct insider Trading, and botch the response once public. Smiley Frustrated

Valued Contributor
Posts: 2,028
Registered: ‎03-03-2015

Re: Equifax - data breach - 143 million US consumers


j615 wrote:

Never really considered going through with freezing all 3 reports until now. I just hate how in my state, it's $10 per agency to freeze and $10 to unfreeze.


File a police report for identity theft, then your credit freeze should be $0. 



Starting scores: 552 EQ, 570 TU, 558 EX Current scores (9/1/17): 727 EQ 748 TU 731 EX
Valued Contributor
Posts: 1,612
Registered: ‎07-22-2015
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Re: Equifax - data breach - 143 million US consumers

EQ still charged me despite police report.  On top of that I had to pay for my police report.

 

$50 later, all my stuff was on lockdown.  

 

Wonder if I was tapped despite having a lock on my reports.

Starting Score: (8/15) EQ08 592 TU08 572 EX08 600
Current Score: (8/17) EQ08 690TU08 690 EX08 692
I flew for free and it was glorious. Nxt trip, 1st Class overseas. ETA 5/2018. My Butter is in the Freezer till July 2018.
Established Member
Posts: 20
Registered: ‎06-06-2017
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Re: Equifax - data breach - 143 million US consumers

What is Next???

I have watched and watched all 3 CRAs crash and burn. I thought that out of the 3 Equifax was getting it together. I got a 3 month trial for 3.95 so I could pull my Equifax report because I had to wait 5 months for another free annual. So I did it to get the latest updated report so I could send letters to rectify some personal and business info. I have a attorney ready to go through line by line each reports and finally get corrected. I waited until the July correction and then decided to now wait until the 15th for the medical info to drop, this way I could have all 3 CRAs updated reports. "Go figure the timing of this breach".

This is not a shock to me. It is just a matter of time until the next breach. In the late 90s I said to myself "I wasn't going to get involved with the internet. Well 20 yrs later we ALL have to for certain things." PERIOD"

I try to still do as much as I can without it. I read someone's post that EQ recently told them to send info by paper.

I know you can dispute online and by phone and by mail. Even though it may take a little longer that is the way to go. 

To my Fellow member who was told that, I would say go that route. I personally got the FCRA letter heads along with my Att. Name to  "Hopefully Correct a half dozen items I've been waiting to do for too long". 

I don't know what to say about this. I right away signed up when I read the article and they also gave me my date to go back to the sight, just like the rest of my fellow members. If anyone gets a different reply "Please Post". 

This is a "HUGE" concern for ALL of us. I truly pray nobody gets hurt by this. I am so thankful to MyFico and its members to be able to correspond and read and be able to help each others through times like this. 

I'm going to try my" best " to do as much as I can by" Hard Copy". 

Wish everyone the Best 

 

 

Mako50
Member
Posts: 11
Registered: ‎02-21-2017

Re: Equifax - data breach - 143 million US consumers

I have been a victim of identity theft before. Cleaning up my credit profile was an absolute nightmare due, in large part, the credit bureaus general carelessness and determination to make the process hard and inconvenient. I hate that it's easy for all sorts of stuff to be added to your file by complete strangers, but getting errors removed is very often difficult. It's ridiculous and security breaches like this just compound problems for people.
New Contributor
Posts: 59
Registered: ‎04-17-2017

Re: Equifax - data breach - 143 million US consumers

What makes me grumpy as heck is that I never authorized Equifax or any credit agency to possess my personal information. 

- TU 731 EQ 730 EX 734 / 10 month credit history / gardening until 03 / 01 / 18
- AAOA = 7 months
- Utilization = 2%
- 3 inquiries (EX) 4 inquiries (TU) 5 inquiries (EQ)
- 9 accounts: OpenSky secured 500, Primor secured 400, Capone secured 500, J Crew 1400, William Sonoma Visa 2k, QS1 600, Target 300, Pottery Barn 750, Amex Everyday 3k

Updated 09 / 01 / 2017
Valued Contributor
Posts: 2,028
Registered: ‎03-03-2015

Re: Equifax - data breach - 143 million US consumers


buyaobuyao wrote:

EQ still charged me despite police report.  On top of that I had to pay for my police report.

 

$50 later, all my stuff was on lockdown.  

 

Wonder if I was tapped despite having a lock on my reports.


Yeah, in a few states, there are no laws regarding who should be charged for the freeze, and the fee associated with it. A Fraud Alert is free with all three bureaus, and can be a good initial step to take if you think you might become a victim of identity theft. 

 

My state (Nevada) has some of the highest fees for credit freezes outside of Identity Theft: 

 

http://www.creditcards.com/credit-card-news/credit-card-freeze-data-1276.php



Starting scores: 552 EQ, 570 TU, 558 EX Current scores (9/1/17): 727 EQ 748 TU 731 EX

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