Equifax Data Breach

[HerT4R]

I read somewhere that if you have a credit card it has already been stolen. It's just a matter of time before someone uses your numbers. It's like a gizzilien cc numbers all in a pile. When a crook wants to use one he pays his $$ and picks a number. If he picks your neighbors' number then you are lucky.

credit cards have 0 liability for you if they are compromised though.

ex. thief A steals your cc number and uses it fraudulently. You report it compromised. Credit card company company cuts it off, deals with it, sends you a new card, no questions asked.

that is not the case for debit cards (which is why i do NOT use my debit card for anything but to get money from the ATM). Even debit cards with credit card logos on them, aka check cards. If it is compromised the repercussions are bigger in my experience.

ex. thief A steals your debit card number and uses it fraudulently. You report it compromised. Your checking account is frozen while the whole mess is figured out.

TL;DR YMMV, not all banks are created equal, and freeze your credit people, for your own safety!

:hippie:

 

[jrandom]

What really torques me about this whole turd... this is a problem that pretty much three companies created to begin with. They took it upon themselves to create this credit market without you the users consent, store a crap ton of vital information about people, then have the balls to say that you need to pay them to keep your data safe when in fact they are the ones that should be taking that role to begin with.

A sad f'n joke.

Credit freezes too, (all three) these f'kers even have the balls to charge you $10+ to do that, seriously wtf?

The stuff is orders of magnitude worse than Sirius/XM.

 

[lucky7]

Problem, reaction, solution. There are certain forces controlling many, many things.
As long as the fear is perpetual, people are exceptionally easy to control/manipulate.

Eventually you'll need a 'license' to use the internet......in the name of safety, of course... People will gladly pay for it, and they'll pay dearly. ;^)

 

[Lawman]

What really torques me about this whole turd... this is a problem that pretty much three companies created to begin with. They took it upon themselves to create this credit market without you the users consent, store a crap ton of vital information about people, then have the balls to say that you need to pay them to keep your data safe when in fact they are the ones that should be taking that role to begin with.

A sad f'n joke.

Credit freezes too, (all three) these f'kers even have the balls to charge you $10+ to do that, seriously wtf?

The stuff is orders of magnitude worse than Sirius/XM.

Absolutely

 

[BikeDestroyer]

I finally convinced my mother to put a freeze on all 3. She was successful with all but Transunion. She ended up having to call to try and put the freeze on it. Well guess where that phone call went....someone from India answered! He said, in broken English, that he could freeze her account but needed her social security number.....so now what do you do? Can't trust anyone and everything is outsourced!

 

[1engineer]

Lifelock here since my wife's purse was stolen five years ago.

But... even with PIN number, it can still be hacked.

 

[msp]

We are all at the mercy of these data aggregators. Who are completely unregulated. The financial details of our lives are the product they sell. It's all pretty disgusting. So, all my credit files are frozen. I keep an eye on my accounts. And then about once a year I have to cancel a card anyway...

 

[msp]

the situation could not possibly be worse....

https://www.nytimes.com/2017/09/23/business/equifax-data-breach.html

 

[Thai]

The only good thing that came out of this...i got a chance to buy its stocks at low price. :behindsofa:

 

[Lawman]

The only good thing that came out of this...i got a chance to buy its stocks at low price. :behindsofa:

If you like buying stock after a big drop I have some Enron I will sell you..

 

[Thai]

If you like buying stock after a big drop I have some Enron I will sell you..

Sure!! Where can i get 'em?!

 

[Koko4]

I just froze all three of mine last night. I paid $3 for two of them, and the third one was free. Not sure if the state matters, but I'm in GA.

 

[AKmoney]

This is the kind of crap we can expect to see more of from now on:

https://www.reddit.com/r/personalfi...ifes_gmail_instagram_airbnb_venmo_paypal_and/

TL;DR: Someone walks into cell phone store w/ fake ID of soon-to-be victim and talks CSR into giving them a new SIM card for their "lost" cell phone. Hacker then proceeds to use the SMS account recovery mechanism most services offer when forgetting a password. Victim's cell phone is no longer functional, giving hacker time to reset victim's passwords on all relevant accounts (Gmail, FB, Paypal, etc. etc.). Now they've got the keys to the kingdom and can begin draining all the victim's accounts.

I spent a good bit of time yesterday closing this loophole on all my accounts. I suggest everyone here consider doing the same. For those who are truly dedicated: https://blog.kraken.com/post/219/security-advisory-mobile-phones/