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

post 1519649211 09-16-2017, 08:43 PM
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#121
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Can you still pull your annual credit report if you freeze all 3 bureaus? Thanks.
post 1519649801 09-16-2017, 08:50 PM
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#122
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Originally Posted By LyghtWeight⏩
tell me this isnt real......
Trump 2016
~In Love With Taylor Swift Crew~
Type O Negative is greatest band in universe crew
post 1519649851 09-16-2017, 08:50 PM
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#123
  1. DenverMiscer
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do NOT sign up for any of their "services", don't be fooled, that "you waive your right to file a lawsuit against us" type language is always hidden in the fine print (despite what Equifax has claimed recently)

they are not to be trusted, don't sign ANYTHING unless you have thoroughly read the terms/conditions (and *especially* that small fine print on the bottom or back of the page)

i've had at least 2 people i know sign up for their "free" service recently and sure enough, in the fine print the lawsuit-waiver language is still there.... so much for them saying "don't worry about the language, we'll take it out"

i don't trust them, not signing anything through their supposed "website" or signing up for any of their "services"
post 1519650321 09-16-2017, 08:56 PM
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#124
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Originally Posted By Ted
tell me this isnt real......
lol, even more proof that "making it" into those high-powered CEO / executive positions is all about connections/ass-kissing/social skills and (apparently) has fuk-all to do with your "degree" or actual skills
post 1519650621 09-16-2017, 08:58 PM
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#125
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Originally Posted By soulivex⏩
Can you still pull your annual credit report if you freeze all 3 bureaus? Thanks.
Yes. I froze the them this afternoon and ran my credit report about 15 min afterwards.

The Transunion report actually showed my credit was on freeze FWIW.
post 1519652761 09-16-2017, 09:20 PM
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#126
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Originally Posted By Ted
tell me this isnt real......
It's unfortunately true

https://www.nbcnews.com/business/con...ureaus-n801706
Since the breach, the now retired [Susan] Mauldin's internet presence has begun to disappear. A podcast interview with her was taken down and her LinkedIn profile, which archival copies of showed the former chief security officer studied music composition in college and had no security degree, had the last name changed to "M." and was set to private.
post 1519684741 09-17-2017, 09:29 AM
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#127
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How the fuk does a music major get a job like that? Lmao bitch probably doesnt even know basic ip addresses
post 1519685321 09-17-2017, 09:38 AM
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#128
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Originally Posted By solidus2k3⏩
such a pain to freeze credit wtf brahs
Took me less than 5 minutes for each agency and was completely free for me lol
post 1519685521 09-17-2017, 09:41 AM
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#129
  1. 5x10
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Buying a house in the next few months, can't freeze FTl

Hopefully it doesn't hit me
Dallas Cowboys

Lifted for 30 years

Ass > tits
No Debt Crew
post 1519687531 09-17-2017, 10:14 AM
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#130
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Thank You
Based on the information provided, we believe that your personal information may have been impacted by this incident.

Click the button below to continue your enrollment in TrustedID Premier.

Neat

My company did the same thing, **** box ticker in corporate fell for a phishing email and sent out essentially an excel file with the companys W-2 info
Free Men Don't Ask
You Wouldn't Download a Gun
https://ctrlpew.com/

Disclaimer: all content posted by Techriding101 is purely for roleplay purposes
post 1519865281 09-19-2017, 01:04 AM
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#131
  1. Luc1fer
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Signed up to the TrustedID - looks like I can just lock my report from there for free

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post 1519894251 09-19-2017, 09:51 AM
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#132
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Originally Posted By Luc1fer⏩
Signed up to the TrustedID - looks like I can just lock my report from there for free
well that makes it 10x easier then
post 1519894851 09-19-2017, 09:56 AM
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#133
  1. TheSteve39
  2. Meh
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Anybody start the sign-up process but not get an email confirmation using the site?

Edit: no email response from TrustedID, the company equifax is using.
post 1519897251 09-19-2017, 10:20 AM
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#134
  1. BigChief3000
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just froze all 3 come at me thieves
Tottenham Hotspur
post 1519899621 09-19-2017, 10:42 AM
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#135
  1. MericaThatsWhy
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Originally Posted By BigChief3000⏩
just froze all 3 come at me thieves
Don't temp them brah. Those hackers show no mercy, prob in here monitoring this thread right now...


- in their dirty dark rooms, with half empty Mountain Dew bottles everywhere and hot pocket sleeves stacking up on their desk evil laughing at us thinking we are safe and thinking to themselves, these idiots have no idea whats to come...this was just the warm up!
post 1519900381 09-19-2017, 10:51 AM
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#136
  1. JPF82
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Overreaction/10 ITT

-I am doing nothing
-Nothing will happen that is so catastrophic that the world will end
-Most likely the hackers were after specific people not everyone
-Im waiting for that class action lawsuit dolla dolla billz yall
post 1519900601 09-19-2017, 10:53 AM
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#137
  1. Luc1fer
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Originally Posted By JPF82⏩
Overreaction/10 ITT

-I am doing nothing
-Nothing will happen that is so catastrophic that the world will end
-Most likely the hackers were after specific people not everyone
-Im waiting for that class action lawsuit dolla dolla billz yall
I'm not investing a huge amount of energy into freezing. If I can just flick a switch online for free to lock my report, I'll do it though.
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post 1519900971 09-19-2017, 10:57 AM
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#138
  1. JoshSP1985
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Can someone explain what locking does specifically?

It just eliminates the ability for a "NEW" credit line to be opened in your name correct?
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post 1519901511 09-19-2017, 11:03 AM
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#139
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Originally Posted By JoshSP1985⏩
Can someone explain what locking does specifically?

It just eliminates the ability for a "NEW" credit line to be opened in your name correct?
Yeah, prevents issues with background checks. Even then its going to cause issue with background checks for employment when they have to ask "why did you have to freeze all credit reports?" Then you have to explain, but what backlash will this have on ones credit.....
post 1519901771 09-19-2017, 11:06 AM
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#140
  1. MericaThatsWhy
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Originally Posted By JPF82⏩
Overreaction/10 ITT

-I am doing nothing
-Nothing will happen that is so catastrophic that the world will end
-Most likely the hackers were after specific people not everyone
-Im waiting for that class action lawsuit dolla dolla billz yall
- Ok do nothing, that's your choice
- The world won't end, but if they go in raw on you, your world won't be a pleasant place to be living for a few months, if not years (your credit is everything)
- Hacks like these are target at specific people. The goal is to get info on as many people as they can. The more people they have available to them to fawk over the more money and loger they can keep up their fawking.
- Don't think the payoff will be that large


You can call it overreacting but I would rather overreaction and make sure I'm not going to get fawked then do nothing at all. For some, freezing your credit isn't that big of a process and fairly easy. Yes for some it's seems to be a bit harder
post 1519901791 09-19-2017, 11:07 AM
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#141
  1. JoshSP1985
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Originally Posted By JPF82⏩
Yeah, prevents issues with background checks. Even then its going to cause issue with background checks for employment when they have to ask "why did you have to freeze all credit reports?" Then you have to explain, but what backlash will this have on ones credit.....
Should be an easy explanation... I froze it due to the Equifax leak...

Why would it have any affect on your score though? All your existing lines would stay open and be functional.
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post 1519901861 09-19-2017, 11:07 AM
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#142
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Originally Posted By JPF82⏩
Yeah, prevents issues with background checks. Even then its going to cause issue with background checks for employment when they have to ask "why did you have to freeze all credit reports?" Then you have to explain, but what backlash will this have on ones credit.....
lol you what mate, why do you have to explain anything - you unblock them in advance of any background check or application
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post 1519902151 09-19-2017, 11:11 AM
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#143
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Originally Posted By JPF82⏩
Yeah, prevents issues with background checks. Even then its going to cause issue with background checks for employment when they have to ask "why did you have to freeze all credit reports?" Then you have to explain, but what backlash will this have on ones credit.....
No backlash at all on ones credit. Your credit score will "behave" as normal.
post 1519903661 09-19-2017, 11:27 AM
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#144
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Originally Posted By xLGx⏩
As a public tax accountant, we already have enough issues with identity theft as it is with hackers using clients' SSNs as a way to file phony tax returns to claim refunds. I am not aware of any additional IRS procedures to strictly verify taxpayer identity in light of this Equifax breach, but this surely will be hell on me next tax year, I think.

My advice to you is to file your tax return as soon as you have all the documents you need next year. If you don't, you may be shocked to find out someone already filed a tax return for you.
Good thing i owe money every year.
<HTC>
post 1519903921 09-19-2017, 11:30 AM
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#145
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Originally Posted By JoshSP1985⏩
Should be an easy explanation... I froze it due to the Equifax leak...

Why would it have any affect on your score though? All your existing lines would stay open and be functional.
Originally Posted By Luc1fer⏩
lol you what mate, why do you have to explain anything - you unblock them in advance of any background check or application
Originally Posted By MericaThatsWhy⏩
No backlash at all on ones credit. Your credit score will "behave" as normal.
You think a human is manually writing your score? It's algorithmic based.....

So lets say a hacker did get a loan into your name.....the time it would take to 1) Find out it wasnt you 2) Get debts settled 3) Make your credit back to normal........if you tried to obtain any credit anytime soon......its all still there.

Nothing....nothing gets wiped from your credit. They(creditors/lenders) just look at active and then X years inactive.
post 1519904711 09-19-2017, 11:38 AM
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#146
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Originally Posted By FinBra⏩
sit on your hands and wait for the class action suits to close....maybe 2-5 years down the line. Not much recourse we have here because of our dick-less senators/judicial branch etc.
And look forward to a check for $1.12
I loe e.
post 1519904991 09-19-2017, 11:40 AM
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#147
  1. JoshSP1985
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Originally Posted By JPF82⏩
You think a human is manually writing your score? It's algorithmic based.....

So lets say a hacker did get a loan into your name.....the time it would take to 1) Find out it wasnt you 2) Get debts settled 3) Make your credit back to normal........if you tried to obtain any credit anytime soon......its all still there.

Nothing....nothing gets wiped from your credit. They(creditors/lenders) just look at active and then X years inactive.
Confused at what post you're responding to, who insinuated anything other than what you said?
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post 1519905481 09-19-2017, 11:44 AM
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#148
  1. MericaThatsWhy
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Originally Posted By JPF82⏩
You think a human is manually writing your score? It's algorithmic based.....

So lets say a hacker did get a loan into your name.....the time it would take to 1) Find out it wasnt you 2) Get debts settled 3) Make your credit back to normal........if you tried to obtain any credit anytime soon......its all still there.

Nothing....nothing gets wiped from your credit. They(creditors/lenders) just look at active and then X years inactive.
confused here but I'll try to answer

- yes it is algorithmic based. Who said anything about manually writing your score?

- Look into what happens when you become a victim of identity theft. It's not as easy as you're thinking to get everything back to normal.

- You're credit behaves like normal. Freezing your credit doesn't make it inactive, it just prevents someone from opening new loans or credit cards under your name.
post 1519905571 09-19-2017, 11:45 AM
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#149
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just froze all 3. i have 5 CCs and a mortgage that's almost done. not gonna need any loans any time soon (will probably finance the building when i open a titty bar in the next few years hehehe)
Make Europe Germany Again
post 1519906481 09-19-2017, 11:55 AM
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#150
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Originally Posted By Krunk
Tax Season is going to be juicy with all the fake returns with peoples info coming through no doubt.

RIP if you have to deal with the IRS for months to sort that chit out.
Yep that's another big thing that we'll need to look for.

- And the IRS gives 2 chits about it
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