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myFICO monitoring black market surveillance alert?

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Valued Contributor

myFICO monitoring black market surveillance alert?

Got an email in the wee hours of the night last night stating that my info was detected on a black market site, so I checked the alert on here.

 

The only details it gives me are "creation date" of yesterday 7/27/2016, and email address, shown as several *'s and a few letters of one of my old email addresses, typed in alternating case.

 

I changed the password on that account just to be safe, but I'm not sure if I should be doing anything else regarding this, since the alert doesn't seem to indicate what exactly is on that black market site? If it is literally just an email address for a spam email buyer, I don't care because that account has never been used for anything financial anyway, and gets double SPAM filtered as it is.

 

*EDIT*

Forgot to mention that I have two-factor authentication on that email account anyway, so even if they had the old password they would never be able to log in - but again the alert doesn't say anything about a password, just a date and an oddly-typed partially obscurred email address.

 

What do you guys suggest?

Message 1 of 16
15 REPLIES 15
Valued Contributor

Re: myFICO monitoring black market surveillance alert?

I have received that alert twice, both times with an email address that I don't use for my credit card sign ins. Not sure what to think of that alert.
CSR | Amex Platinum | EDP | QS (2)
Amex Blue Business Plus
Message 2 of 16
Valued Contributor

Re: myFICO monitoring black market surveillance alert?


@driftless wrote:
I have received that alert twice, both times with an email address that I don't use for my credit card sign ins. Not sure what to think of that alert.

So probably nothing to worry about? Just out of curiosity I checked the account activity and this is what comes up:

 

 

The Successful sign-ins are my IP address (obviously), and I made sure two-factor authentication is indeed still enabled, so there basically zero chance that anyone in China or Taiwan can log into that account anyway. I don't use it for anything important, and haven't even entered it in any websites probably this year at all.

Message 3 of 16
Valued Contributor

Re: myFICO monitoring black market surveillance alert?

No, I think that you have something to worry about given that screen shot if that is a financial account.
CSR | Amex Platinum | EDP | QS (2)
Amex Blue Business Plus
Message 4 of 16
Valued Contributor

Re: myFICO monitoring black market surveillance alert?

Post-Script: in addition to changing your password I would consider changing the username/email associated with that account.
CSR | Amex Platinum | EDP | QS (2)
Amex Blue Business Plus
Message 5 of 16
Valued Contributor

Re: myFICO monitoring black market surveillance alert?

Ah i must have worded my post in a confusing way. This is for an old email account. As i mentioned, it has never been used for anything financial at all, and has two-factor authentication set up so even if someone got the password, they would not be able to log in.
Message 6 of 16
Valued Contributor

Re: myFICO monitoring black market surveillance alert?

Oh, then no worries!
CSR | Amex Platinum | EDP | QS (2)
Amex Blue Business Plus
Message 7 of 16
Member

Re: myFICO monitoring black market surveillance alert?

Having a similar situation here right now. The alert provided me with enough to know that the email address is my address, despite the asterisks, and the password is a common password I have used in the past. The problem is there's no indication what website the login is attached to. As a result, I have no earthly idea what login i should change to keep this from becoming an issue. Pretty sure it's not affecting anything financial, but I would like to lock whatever it is down anyway just to be sure.
As of 6/27/16
TU FAKO 608, EQ FAKO 596
MyFICO scores: EQ 624, TU 604, EXP 606
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Message 8 of 16
Regular Contributor

Re: myFICO monitoring black market surveillance alert?

You should change any other password associted with that email. The login details that were found could be from the email provider or from any account associated with that email address be it a bank, Facebook, etc.

 

The best way to protect yourself is to always use a different password for every site and make sure they are strong passwords. A strong password doesn't contain dictionary words or persoanlly identifiying information like your SSN or DOB. Best way to go about it is to use a password manager that generates random passwords that look something like this: @47Aw7w65f%3*t9

Message 9 of 16
Member

Re: myFICO monitoring black market surveillance alert?

It is definitely not the password associated with the email account itself. That was the first thing I checked, and it already has a strong password that includes random symbols, periods, commas, etc. I also know it isn't any of my current credit card accounts or my bank account or even my Amazon or PayPal accounts that have my credit card(s) associated and saved. I guess that's a good thing. The problem is, though, it could literally be anything else, because there was a time I used those not so great passwords for just about everything very stupidly on my part. I just wish if myFICO was telling me my information was out there, they would perhaps provide a link or something so I could go discover which account I need to worry about changing or canceling or whatever, because currently I'm at a complete loss.
As of 6/27/16
TU FAKO 608, EQ FAKO 596
MyFICO scores: EQ 624, TU 604, EXP 606
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Message 10 of 16
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