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Credit Freeze & other Info #4521049
09/20/17 09:11 AM
09/20/17 09:11 AM
Joined: Feb 2012
Posts: 838
One Step Beyond
larryinnewyork Offline OP
larryinnewyork  Offline OP
Joined: Feb 2012
Posts: 838
One Step Beyond
Good web-site with a lot of info on ID Theft.

https://www.reddit.com/r/personalfinance/wiki/identity_theft

1) Credit Freeze / 4 Credit reporting Agencies
2) Opt-Out of Junk Mail
3) Do Not Call Registry

Stay one step ahead of the thieves
Hope this helps someone.

Re: Credit Freeze & other Info [Re: larryinnewyork] #4521065
09/20/17 09:30 AM
09/20/17 09:30 AM
Joined: Mar 2004
Posts: 20,760
Upstate NY
Donald Offline
Donald  Offline
Joined: Mar 2004
Posts: 20,760
Upstate NY
I am not sure REDDIT is the best source of credit report guidance.


2015 Subaru Forester 2.5 engine/CVT
2015 Ford F250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: Credit Freeze & other Info [Re: larryinnewyork] #4521070
09/20/17 09:37 AM
09/20/17 09:37 AM
Joined: May 2003
Posts: 6,605
southeast US
friendly_jacek Offline
friendly_jacek  Offline
Joined: May 2003
Posts: 6,605
southeast US
yeah, i did most of that, but for the record, credit freeze is not free. $10 per agency in my state. only equifax waived their fee.

Re: Credit Freeze & other Info [Re: larryinnewyork] #4521138
09/20/17 10:57 AM
09/20/17 10:57 AM
Joined: Aug 2009
Posts: 3,270
Ohio
Tdbo Offline
Tdbo  Offline
Joined: Aug 2009
Posts: 3,270
Ohio


2012 Honda Accord LX-P 93K
2008 Ford Mustang Pony Package Convertible 17K
2006 Honda Odyssey EX-L 76K
2003 Ford Ranger 3.0 Supercab 110K
Re: Credit Freeze & other Info [Re: larryinnewyork] #4521144
09/20/17 11:02 AM
09/20/17 11:02 AM
Joined: Aug 2008
Posts: 3,171
USA
Reddy45 Offline
Reddy45  Offline
Joined: Aug 2008
Posts: 3,171
USA
The problem with this breach is that the information is useful to the bad guys for the rest of time. Unless companies start using some extra piece of private information to approve credit, then you have to keep credit freezes active for the rest of your life.

It looks like some of the freezes expire after 7 years so you have to remind yourself to renew.

If the hackers are smart then they'll sit on the leaked info until 2025 and then start using it when everyone has forgotten and the credit freezes from now have expired.

And on a side note, nobody has yet proven that this information is in the hands of malicious individuals, so the panic it is causing could be unnecessary. Not saying we are safe, but I have concerns about "taking action now" when there is no hard proof of an actual threat yet.

Re: Credit Freeze & other Info [Re: friendly_jacek] #4521184
09/20/17 11:44 AM
09/20/17 11:44 AM
Joined: May 2012
Posts: 4,454
Baltimore, Maryland, USA
zzyzzx Offline
zzyzzx  Offline
Joined: May 2012
Posts: 4,454
Baltimore, Maryland, USA
Originally Posted By: friendly_jacek
yeah, i did most of that, but for the record, credit freeze is not free. $10 per agency in my state. only equifax waived their fee.


Then you pay again periodically to unfreeze and refreeze.

Re: Credit Freeze & other Info [Re: Reddy45] #4521192
09/20/17 11:51 AM
09/20/17 11:51 AM
Joined: Apr 2004
Posts: 7,744
New York
pbm Offline
pbm  Offline
Joined: Apr 2004
Posts: 7,744
New York
Originally Posted By: Reddy45
The problem with this breach is that the information is useful to the bad guys for the rest of time. Unless companies start using some extra piece of private information to approve credit, then you have to keep credit freezes active for the rest of your life.


And on a side note, nobody has yet proven that this information is in the hands of malicious individuals, so the panic it is causing could be unnecessary. Not saying we are safe, but I have concerns about "taking action now" when there is no hard proof of an actual threat yet.


I would imagine that the hackers are "malicious individuals"....why else would they bother hacking the info?


'Journalism is Dead'
Re: Credit Freeze & other Info [Re: pbm] #4521228
09/20/17 12:25 PM
09/20/17 12:25 PM
Joined: Aug 2008
Posts: 3,171
USA
Reddy45 Offline
Reddy45  Offline
Joined: Aug 2008
Posts: 3,171
USA
Originally Posted By: pbm
Originally Posted By: Reddy45
The problem with this breach is that the information is useful to the bad guys for the rest of time. Unless companies start using some extra piece of private information to approve credit, then you have to keep credit freezes active for the rest of your life.


And on a side note, nobody has yet proven that this information is in the hands of malicious individuals, so the panic it is causing could be unnecessary. Not saying we are safe, but I have concerns about "taking action now" when there is no hard proof of an actual threat yet.


I would imagine that the hackers are "malicious individuals"....why else would they bother hacking the info?


They could have hacked for the sake of doing the hack - bragging rights or intellectual curiosity. Alternatively they could have done the hack to hold the data ransom in exchange for money or other resources.

These details are not known or aren't exposed so we cannot positively say that the breached data is in the hands of people who plan on doing fraudulent tax returns or opening up credit cards.

It is very common nowadays for malware to not destroy your data but to encrypt it and put it up as ransom for Bitcoin, which is why I do not believe that anyone smart enough to exploit an Apache Struts system for this data would simply use the data at face value.

For all we know, the hackers could have notified Equifax officials of the breach and given them a chance to buy it back for a large amount of money.

So to go back to the original point -- there is nothing wrong with putting a freeze on your accounts and going into full defense mode, but we don't know if or when they'll strike.

We simply don't have all the details for anyone to make a strategic decision.

Re: Credit Freeze & other Info [Re: Reddy45] #4521340
09/20/17 02:04 PM
09/20/17 02:04 PM
Joined: Oct 2014
Posts: 3,907
Utah
CKN Offline
CKN  Offline
Joined: Oct 2014
Posts: 3,907
Utah
Originally Posted By: Reddy45
The problem with this breach is that the information is useful to the bad guys for the rest of time. Unless companies start using some extra piece of private information to approve credit, then you have to keep credit freezes active for the rest of your life.

It looks like some of the freezes expire after 7 years so you have to remind yourself to renew.

If the hackers are smart then they'll sit on the leaked info until 2025 and then start using it when everyone has forgotten and the credit freezes from now have expired.

And on a side note, nobody has yet proven that this information is in the hands of malicious individuals, so the panic it is causing could be unnecessary. Not saying we are safe, but I have concerns about "taking action now" when there is no hard proof of an actual threat yet.


Most ridiculous sentence in your post. This information is said to be worth $30.00/pop (X145 million names) on the "dark web". They didn't steal it for bragging rights.....


For those "not taking actions now-I know guys that change their own oil are cheap-but for the $30.00 or $40.00 it cost to freeze your credit-the action could potentially save you 100's hours of headaches.

Somethings not right here.....

Last edited by CKN; 09/20/17 02:07 PM.
Re: Credit Freeze & other Info [Re: CKN] #4521365
09/20/17 02:22 PM
09/20/17 02:22 PM
Joined: Aug 2008
Posts: 3,171
USA
Reddy45 Offline
Reddy45  Offline
Joined: Aug 2008
Posts: 3,171
USA
Originally Posted By: CKN
Originally Posted By: Reddy45
The problem with this breach is that the information is useful to the bad guys for the rest of time. Unless companies start using some extra piece of private information to approve credit, then you have to keep credit freezes active for the rest of your life.

It looks like some of the freezes expire after 7 years so you have to remind yourself to renew.

If the hackers are smart then they'll sit on the leaked info until 2025 and then start using it when everyone has forgotten and the credit freezes from now have expired.

And on a side note, nobody has yet proven that this information is in the hands of malicious individuals, so the panic it is causing could be unnecessary. Not saying we are safe, but I have concerns about "taking action now" when there is no hard proof of an actual threat yet.


Most ridiculous sentence in your post. This information is said to be worth $30.00/pop (X145 million names) on the "dark web". They didn't steal it for bragging rights.....


For those "not taking actions now-I know guys that change their own oil are cheap-but for the $30.00 or $40.00 it cost to freeze your credit-the action could potentially save you 100's hours of headaches.

Somethings not right here.....


Feel free to link me to something that tells us the information is in malicious hands. Until then I will keep an open mind about the situation.

Re: Credit Freeze & other Info [Re: Reddy45] #4521369
09/20/17 02:26 PM
09/20/17 02:26 PM
Joined: Jan 2008
Posts: 10,698
OH
SatinSilver Offline
SatinSilver  Offline
Joined: Jan 2008
Posts: 10,698
OH
Originally Posted By: Reddy45
Feel free to link me to something that tells us the information is in malicious hands. Until then I will keep an open mind about the situation.


Sure, here you go:

Link

Re: Credit Freeze & other Info [Re: Reddy45] #4521378
09/20/17 02:35 PM
09/20/17 02:35 PM
Joined: Oct 2014
Posts: 3,907
Utah
CKN Offline
CKN  Offline
Joined: Oct 2014
Posts: 3,907
Utah
Originally Posted By: Reddy45
Originally Posted By: CKN
Originally Posted By: Reddy45
The problem with this breach is that the information is useful to the bad guys for the rest of time. Unless companies start using some extra piece of private information to approve credit, then you have to keep credit freezes active for the rest of your life.

It looks like some of the freezes expire after 7 years so you have to remind yourself to renew.

If the hackers are smart then they'll sit on the leaked info until 2025 and then start using it when everyone has forgotten and the credit freezes from now have expired.

And on a side note, nobody has yet proven that this information is in the hands of malicious individuals, so the panic it is causing could be unnecessary. Not saying we are safe, but I have concerns about "taking action now" when there is no hard proof of an actual threat yet.


Most ridiculous sentence in your post. This information is said to be worth $30.00/pop (X145 million names) on the "dark web". They didn't steal it for bragging rights.....


For those "not taking actions now-I know guys that change their own oil are cheap-but for the $30.00 or $40.00 it cost to freeze your credit-the action could potentially save you 100's hours of headaches.

Somethings not right here.....


Feel free to link me to something that tells us the information is in malicious hands. Until then I will keep an open mind about the situation.



Unbelievable.....

Re: Credit Freeze & other Info [Re: larryinnewyork] #4521601
09/20/17 07:28 PM
09/20/17 07:28 PM
Joined: Sep 2004
Posts: 21,636
Orlando, FL
Mr Nice Offline
Mr Nice  Offline
Joined: Sep 2004
Posts: 21,636
Orlando, FL
You can freeze your credit and set up a PIN when you get your free annual credit report online.

Re: Credit Freeze & other Info [Re: Reddy45] #4521614
09/20/17 07:51 PM
09/20/17 07:51 PM
Joined: Jul 2007
Posts: 4,210
Midwest USA
LoneRanger Offline
LoneRanger  Offline
Joined: Jul 2007
Posts: 4,210
Midwest USA
Originally Posted By: Reddy45


Feel free to link me to something that tells us the information is in malicious hands. Until then I will keep an open mind about the situation.


No linking necessary, if you truly believe what you're saying then you're just plain wrong that's all. There are cyber attacks on America and her economic infrastructure going on 24/7. Just plain fact. Some state sponsored, some free lancers, but most are concerted efforts by criminal syndicates.

I deal with representatives of the finance sector on a regular basis. Some are sharp and aware of security risks both cyber and brick/mortar, but an alarming number of them I've interacted with are pretty clueless about security and fraud issues and are all about customer happiness and sales sales sales to the exclusion of all else. I've explained the m.o. of how mail theft and check counterfeiting rings engage in organized bank fraud using street people as runners, detailed various best practices for cyber security, and had good receptive attentive audiences and I've given same info in presentations to upper mgt bean counters and corp sales big wigs and received blank stares and yawns. My guess is Equifax likely has more than it's fair share of the latter.



'09 Subaru Forester ...................(QS HM 5W30)
'16 Moto Guzzi Stelvio 1200 .....(ENI i-Ride PG 10W60)
Re: Credit Freeze & other Info [Re: Mr Nice] #4521641
09/20/17 08:34 PM
09/20/17 08:34 PM
Joined: Oct 2014
Posts: 3,907
Utah
CKN Offline
CKN  Offline
Joined: Oct 2014
Posts: 3,907
Utah
Originally Posted By: Mr Nice
You can freeze your credit and set up a PIN when you get your free annual credit report online.



Yes-but if it's been less than 12 months since you got your free "annual" credit report-I'm not sure what your point is.

I spent 1 1/2 hours freezing both my wife's and I credit report. Equifax is not charging right now-the other sites are. However-there is a move going on in Washington with a bill that will provide free freezing and thawing-and refunds to those of us who already have spent money doing this. Of course-if the bill passes.

The point being that the credit agencies make a ton of money selling our info-yet we have no control over who sees it UNLESS WE PAY and when you consider this is all done online-the costs to freeze your credit is minimal to whatever agency.

Last edited by CKN; 09/20/17 08:39 PM.
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