Credit Card Center Advertiser Disclosure

Reply
Valued Contributor
Posts: 1,734
Registered: ‎06-13-2016
0 Kudos

Re: Equifax - data breach - 143 million US consumers


Manonfire wrote:

for my wife it said that she was not impacted and it said to click below to complete her enrollment....but for me all it said wad my enrollment date. does that mean I wad possibly impacted?


That's weird. I wonder if they have tiers of affected, may be affected, probably not affected, definitely not affected. I'm not sure how they determine who can enroll right away and who has to wait.

Current Scores------ EQ 679; TU 653; EX 681 FICO 08---------------- Gardening until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Regular Contributor
Posts: 215
Registered: ‎06-13-2010
0 Kudos

Re: Equifax - data breach - 143 million US consumers

I checked and it didn't say if I was affected or not.  enrollment date for me is 9-11.

Valued Contributor
Posts: 2,079
Registered: ‎06-01-2008

Re: Equifax - data breach - 143 million US consumers


DeeBee78 wrote:

It gets better. 3 executives sold 1.8 million in stock after the breach was discovered:

 

https://www.bloomberg.com/news/articles/2017-09-07/three-equifax-executives-sold-stock-before-reveal...

 

Insider trading, anyone? Smiley Mad


I say BS to this.  One of the three is the CFO.  There is no way the CFO was not one of the first to be informed....  

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sep 2017: EX8: 736; EQ8: 732; TU8: 743; EQ04: 730 FICO 9 Scores about 50 points higher
In My Wallet: Discover $60.2K; Cap1 Venture $30.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $205.5K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Valued Contributor
Posts: 2,079
Registered: ‎06-01-2008
0 Kudos

Re: Equifax - data breach - 143 million US consumers


etx wrote:

I enrolled both my wife and I hoping to get some details on impact, personally.  The enrollment only provided me with dates on when to come back for continuing the enrollment, not other details on whether or not actually impacted.  Has anyone received any other details on personal impact or know how to retrieve this information?


I'm in the same boat.  Got a message that I am eligible to enroll on 9/11/17 or something like that.  I assume that means that I was a victim of this, however it did not say that specifically.  

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sep 2017: EX8: 736; EQ8: 732; TU8: 743; EQ04: 730 FICO 9 Scores about 50 points higher
In My Wallet: Discover $60.2K; Cap1 Venture $30.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $205.5K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Community Leader
Super Contributor
Posts: 14,056
Registered: ‎04-16-2014

Re: Equifax - data breach - 143 million US consumers

[ Edited ]

EW800 wrote:

DeeBee78 wrote:

It gets better. 3 executives sold 1.8 million in stock after the breach was discovered:

 

https://www.bloomberg.com/news/articles/2017-09-07/three-equifax-executives-sold-stock-before-reveal...

 

Insider trading, anyone? Smiley Mad


I say BS to this.  One of the three is the CFO.  There is no way the CFO was not one of the first to be informed....  

 

 


+1... Complete BS.  They certainly will be looked at and most certainly knew..This is only starting hidden by the hurricanes so far by main street media by more pressing matters

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | US Bank | Fifth Third Bank | FNBO
Valued Contributor
Posts: 2,079
Registered: ‎06-01-2008
0 Kudos

Re: Equifax - data breach - 143 million US consumers

Has anyone actually gone to the site and specifically been advised that you may have been impacted?  I am just getting a message saying that I am eligible to register for the credit monitoring on 9/11/17.  It does not actually say that I was or was not impacted.  

 

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sep 2017: EX8: 736; EQ8: 732; TU8: 743; EQ04: 730 FICO 9 Scores about 50 points higher
In My Wallet: Discover $60.2K; Cap1 Venture $30.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $205.5K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Valued Contributor
Posts: 1,734
Registered: ‎06-13-2016

Re: Equifax - data breach - 143 million US consumers


EW800 wrote:

Has anyone actually gone to the site and specifically been advised that you may have been impacted?  I am just getting a message saying that I am eligible to register for the credit monitoring on 9/11/17.  It does not actually say that I was or was not impacted.  

 

 

 


Did you not read my post?

Current Scores------ EQ 679; TU 653; EX 681 FICO 08---------------- Gardening until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
New Contributor
Posts: 92
Registered: ‎08-24-2017

Re: Equifax - data breach - 143 million US consumers


DeeBee78 wrote:

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


Thank you DeeBee - very helpful!

 

I'd love to see a federal law that requires that if a CRA suffers a data breach, THEY will be the ones required to pay for any data freeze fees. Better still, those fees should be made illegal...

Valued Contributor
Posts: 1,734
Registered: ‎06-13-2016

Re: Equifax - data breach - 143 million US consumers

This was my husband's message:

 

AffectedDH.JPG

 

This was my message:

 

Affected.JPG

Current Scores------ EQ 679; TU 653; EX 681 FICO 08---------------- Gardening until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Regular Contributor
Posts: 422
Registered: ‎04-26-2017

Re: Equifax - data breach - 143 million US consumers

I heard EQ plans to add 10 years of AAoA to anyone affected.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.