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Forum ยป Equifax Breach and YOU
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Thread: Equifax Breach and YOU

post 1519626951 09-16-2017, 03:48 PM
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Originally Posted By MericaThatsWhy⏩
- yes hard pulls will lower your score.

- yes and freezing is your best bet (unless you are currently apply for loans/credit card).

- But definitely do the whole credit monitoring thing especially since they took over a month to come out and admit what happened. So, if you haven't been affected yet you could and it can happen at anytime (tonight, next week, next year, 15 years from now,,,etc)


This is why this is such a big deal, because you just don't now when you're going to get fawked.



You brother might be the perfect candidate to get a new SSN. If I were you I would let him know he has this option
So you have to freeze with 3 agencies? It's like $30 right
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post 1519627381 09-16-2017, 03:54 PM
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who else is freezing their credit?
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post 1519627551 09-16-2017, 03:57 PM
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Originally Posted By Luc1fer⏩
So you have to freeze with 3 agencies? It's like $30 right
yes all 3, but the price depends on what state you are in. Some can be free and others you have to pay.
Originally Posted By solidus2k3⏩
who else is freezing their credit?
everyone should, expect those that are current apply for loans or cards


-------------------------------------------

inb4 I work for some ID theft service and will plug my product in at the end
post 1519629571 09-16-2017, 04:28 PM
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Originally Posted By solidus2k3⏩
who else is freezing their credit?
I did. I don't even use my credit for anything right now, just building it up. Better to be safe than sorry though
post 1519629871 09-16-2017, 04:32 PM
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Originally Posted By solidus2k3⏩
who else is freezing their credit?
Kinda the purpose of this entire thread dude so yes.
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post 1519629971 09-16-2017, 04:35 PM
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Originally Posted By MericaThatsWhy⏩
yeah, it's people like that, that go off on a bish fit when things do happen to them.

- was just trying to help out, but hey can't save them all
You can lead a horse to water but ya can't make him think. When you try, they get their panties in a bind and call you names and chit. Oh well.
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post 1519632641 09-16-2017, 05:13 PM
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Can someone cliff what sites i need to goto to freeze my credit? All the credit cards i have i will be keeping (dont need anymore) SHould i also ask the current cards and debit cards i have for new ones on top of the freeze? Also, what can i do about my SS# and how do i protect that? THnx bros
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post 1519632791 09-16-2017, 05:15 PM
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Originally Posted By RICHSTRONG⏩
Can someone cliff what sites i need to goto to freeze my credit? All the credit cards i have i will be keeping (dont need anymore) SHould i also ask the current cards and debit cards i have for new ones on top of the freeze? Also, what can i do about my SS# and how do i protect that? THnx bros
It's best to call instead of doing it online.

#'s:
Equifax โ€” 1-800-349-9960
Experian โ€” 1โ€‘888โ€‘397โ€‘3742
TransUnion โ€” 1-888-909-8872
Innovis โ€” 1-800-540-2505

I didn't bother with the cards, keeping them the same. But might close too.
post 1519633091 09-16-2017, 05:18 PM
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I'm so paranoid now that I think I might freeze my credit even though it said I wasn't effected. my score is very very good and i want to buy a house in a couple years so i don't want to take any chances.
post 1519633151 09-16-2017, 05:19 PM
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Originally Posted By Luc1fer⏩
So you have to freeze with 3 agencies? It's like $30 right
Equifax is doing it for free and if you sign up with Transunion it is free. I only had to pay for Experian

Also, I recommend getting Identity Theft insurance (with Zander)
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post 1519633841 09-16-2017, 05:27 PM
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Originally Posted By SystemTrend⏩
I'm so paranoid now that I think I might freeze my credit even though it said I wasn't effected. my score is very very good and i want to buy a house in a couple years so i don't want to take any chances.
Not a bad idea man. You can always temporarily lift it too. Just whoever is pulling your credit report ask what company is doing it and then call them and put a temporary lift on it.
post 1519635571 09-16-2017, 05:50 PM
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Originally Posted By SystemTrend⏩
I'm so paranoid now that I think I might freeze my credit even though it said I wasn't effected. my score is very very good and i want to buy a house in a couple years so i don't want to take any chances.
The can say whatever they want....You were affected.

when it comes to your identity and credit being paranoid is a good thing!

- imagine if North Korea were to buy up all our info and have state sponsored hack farms that would fawk hundreds/thousands of us every week. It would be a big thing, every Friday we would find out who got fawked or not. We would prob tuen it into a drinking holiyday
Originally Posted By RICHSTRONG⏩
Can someone cliff what sites i need to goto to freeze my credit? All the credit cards i have i will be keeping (dont need anymore) SHould i also ask the current cards and debit cards i have for new ones on top of the freeze? Also, what can i do about my SS# and how do i protect that? THnx bros
yea def call the numbers nn586 provided.

pretty easy dial in SSN, b-day, number of you current address etc,
post 1519636051 09-16-2017, 05:56 PM
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Originally Posted By nn586⏩
I did. I don't even use my credit for anything right now, just building it up. Better to be safe than sorry though
So freezing your credit also means it can't increase right?
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post 1519636481 09-16-2017, 06:03 PM
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Originally Posted By WillBrink⏩
You can lead a horse to water but ya can't make him think. When you try, they get their panties in a bind and call you names and chit. Oh well.
Just to be clear- you have provided absolutely nothing other than copy pasting the article and posting the link. 'Merica is the one posting information which I read and repped.

2nd You started the childish name calling. Feel free to reread your posts friend
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post 1519636551 09-16-2017, 06:04 PM
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post 1519636691 09-16-2017, 06:06 PM
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^^^^^

That happens all the time man. Most CIO and CSO have no tech background. legit blows my mind.

- Remember the Target hack, yep their Chief Information Officer had no IT background.
Originally Posted By Luc1fer⏩
So freezing your credit also means it can't increase right?
no it only means that people can't look up your info
post 1519636741 09-16-2017, 06:06 PM
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Originally Posted By nn586⏩
It's best to call instead of doing it online.

#'s:
Equifax โ€” 1-800-349-9960
Experian โ€” 1โ€‘888โ€‘397โ€‘3742
TransUnion โ€” 1-888-909-8872
Innovis โ€” 1-800-540-2505

I didn't bother with the cards, keeping them the same. But might close too.
Fukin Experian is making me send written documentation to freeze anything with them including a check for 10.70 (PA brah). Wtf at jumping thru these hoops to just freeze my account? Tried both phone and online? God this pisses me off
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post 1519637261 09-16-2017, 06:12 PM
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#108
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Originally Posted By RICHSTRONG⏩
Fukin Experian is making me send written documentation to freeze anything with them including a check for 10.70 (PA brah). Wtf at jumping thru these hoops to just freeze my account? Tried both phone and online? God this pisses me off
For Experian I was able to pay over the phone.

I heard some chit about mailing it in so I hung up and called again and went through the process again (yes annoying as **** and was pissed af) but then it let me pay over the phone.

EDIT: Now that I think of it, that was the only one that listed off ALL THE FCKN states over the phone. Yeah that's the annoying one brah. I am in Michigan though, I'd try again and see but maybe it's different for PA.
post 1519637701 09-16-2017, 06:19 PM
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#109
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Originally Posted By MericaThatsWhy⏩
no it only means that people can't look up your info
Yeah that's what I thought I read but I wasn't 100%. Can't find chit on Google for that.
post 1519637901 09-16-2017, 06:22 PM
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Originally Posted By RICHSTRONG⏩
Fukin Experian is making me send written documentation to freeze anything with them including a check for 10.70 (PA brah). Wtf at jumping thru these hoops to just freeze my account? Tried both phone and online? God this pisses me off
Looks like Equifax may have dropped the fee for a while?https://www.nytimes.com/2017/09/12/y...ee-waiver.html
Also, there's another fee to unfreeze!!

There's a bill to try make it free:
https://www.washingtonpost.com/news/...=.02f4cf3bba51

Here's the links to all 3 agencies for convenience:
https://www.experian.com/freeze/center.html
https://www.freeze.equifax.com/Freez...onalIDInfo.jsp
https://www.transunion.com/credit-fr...-credit-freeze
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post 1519638481 09-16-2017, 06:30 PM
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Originally Posted By Luc1fer⏩
Looks like Equifax may have dropped the fee for a while?https://www.nytimes.com/2017/09/12/y...ee-waiver.html
Also, there's another fee to unfreeze!!

There's a bill to try make it free:
https://www.washingtonpost.com/news/...=.02f4cf3bba51

Here's the links to all 3 agencies for convenience:
https://www.experian.com/freeze/center.html
https://www.freeze.equifax.com/Freez...onalIDInfo.jsp
https://www.transunion.com/credit-fr...-credit-freeze
Wondering if i should just wait a bit to do experian/transunion? I don't have time to collect a copy of a recent Bill/photocopy my fkn drivers license etc etc being on the road for work. Jesus H i can't believe they even make us jump thru all this schit and on top of it all have to pay for it like the article says.

Also do they charge me to temporarily unfreeze it for credit checks too?
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post 1519638771 09-16-2017, 06:33 PM
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Originally Posted By nn586⏩
Yeah that's what I thought I read but I wasn't 100%. Can't find chit on Google for that.
Most of the info I know about this is, is through family members that are bankers and Google of course.

- But credit freeze I'm 100% sure is just from keeping people from looking up your info. Your credit can still take a go down or up if you pay a bill or not, just like normal.
Originally Posted By Luc1fer⏩
Looks like Equifax may have dropped the fee for a while?
Also, there's another fee to unfreeze!!

There's a bill to try make it free:
Hope that bill goes through, but I'm still waiting for them to come out a say, yes EVERYONE got fawked!

- This always happens with hacks like this. The initial numbers they put out is not even close to the truth and sometimes they never fully disclose how bad it really is
Originally Posted By RICHSTRONG⏩
Wondering if i should just wait a bit to do experian/transunion? I don't have time to collect a copy of a recent Bill/photocopy my fkn drivers license etc etc being on the road for work. Jesus H i can't believe they even make us jump thru all this schit and on top of it all have to pay for it like the article says.

Also do they charge me to temporarily unfreeze it for credit checks too?
Yes they will charge you a fee. But you shouldn't really wait. freezing just one is pointless, you have to get all 3 man. Does suck but just think how much worse it's going to be if they go in raw on you
post 1519639011 09-16-2017, 06:36 PM
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Originally Posted By RobParks2M⏩
Just to be clear- you have provided absolutely nothing other than copy pasting the article and posting the link. 'Merica is the one posting information which I read and repped.

2nd You started the childish name calling. Feel free to reread your posts friend
You might wanna re read yours son. You're all covered with the cap one thing, so why are you still here?
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post 1519639721 09-16-2017, 06:44 PM
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Originally Posted By WillBrink⏩
You might wanna re read yours son. You're all covered with the cap one thing, so why are you still here?
I must be blind. Where did I insult you with my first post?
Originally Posted By RobParks2M⏩
I'm not giving them any of my info to see if I was impacted because it is pointless. I monitor my credit through my credit card and they alert me to any positive or negative changes.
I might take 'Merica's advice and sign up somewhere else for monitoring services, but otherwise I am fine.

Your response:
Originally Posted By WillBrink⏩
OK, so you think your card is the only place they can fark you up with your ssn, etc? Good luck with that approach.Derp
I'm just trying to figure out why you keep posting when you are probably just as clueless as I supposedly am.
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post 1519639901 09-16-2017, 06:46 PM
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and this is exactly why people have hated banker scum since the dawn of man

they should be publicly hung for their crimes
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Originally Posted By MericaThatsWhy⏩
Yes they will charge you a fee. But you shouldn't really wait. freezing just one is pointless, you have to get all 3 man. Does suck but just think how much worse it's going to be if they go in raw on you
Trans Union offers some free 'True Identity' program that allows you to freeze/unfreeze with a swipe of your finger with an app? wonder if this would be better than paying for a 'freeze'? seems to do the same thing but according to them it's free?

Edit: Fuking experian charged me the 10.70 to my CC and didn't do anything? after clicking it went to another page telling me to mail schit? wtf is this BS.
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post 1519641541 09-16-2017, 07:08 PM
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such a pain to freeze credit wtf brahs
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post 1519641911 09-16-2017, 07:15 PM
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Originally Posted By bov188⏩
Class action lawsuit for 150m people. Enjoy your $13.75

I literally have been waiting for this to happen for several years. It was only a matter of time before one of the major credit bureaus got hacked

Brb let's take everyone's most sensitive financial information and store it all in one spot. Tehe it's safe here
they knew it was happening and profited from it

in a perfect world there would be justice for such crimes, but we all know who holds the marionette strings for the govt
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Originally Posted By RICHSTRONG⏩
Trans Union offers some free 'True Identity' program that allows you to freeze/unfreeze with a swipe of your finger with an app? wonder if this would be better than paying for a 'freeze'? seems to do the same thing but according to them it's free?

Edit: Fuking experian charged me the 10.70 to my CC and didn't do anything? after clicking it went to another page telling me to mail schit? wtf is this BS.
Haven't heard about 'True Identity' but will look into it. If they charged you already you might be in some type of gray area, I would send the info asap.
Originally Posted By solidus2k3⏩
such a pain to freeze credit wtf brahs
Yea for some its seem to be harder than most, but do it...it's better to go through some hopes now then get fawked down the road
Originally Posted By Ted
they knew it was happening and profited from it

in a perfect world there would be justice for such crimes, but we all know who holds the marionette strings for the govt
You're prob not going to like this but coming from a family of bankers, I have to throw my 2 cents in.

- If they did know, it would have been insider trading, and the SEC will find out, eventually.... hopefully. hope SEC will look into it.

- Them sell their stock before the news came out does look suspicious, but you have to ask yourself why such a small amount. There's no way they play it off as lets trade just a little and no one will notice. These guys know how things work and they being called out on it, would have been expected.


But you could be right, and they knew about. If so, they deserve to rot somewhere because they give the other honest bankers a bad name (inb4 lol at honest bankers)
post 1519648781 09-16-2017, 08:37 PM
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#120
  1. Trillical
  2. Florida Resident
  1. Trillical
  2. Florida Resident
  3. Join Date: Jan 2014
  4. Location: United States
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SHould i freeze my credit?
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