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

post 1519907391 09-19-2017, 12:05 PM
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#151
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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.
WTF, the whole point of a credit lock is to try stop someone from getting a loan in your name.
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post 1519908051 09-19-2017, 12:12 PM
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#152
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just did a security freeze for $10 brahs
<HTC>
post 1519909671 09-19-2017, 12:26 PM
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#153
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Does freezing affect your score like every other phucking thing??
post 1519909831 09-19-2017, 12:29 PM
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#154
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Originally Posted By swaptrex⏩
Does freezing affect your score
Nope, it means nobody, not even you, can apply for a new account (including credit card, car loan/lease, mortgage, rental property, etc).
post 1519912141 09-19-2017, 12:50 PM
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#155
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Originally Posted By TheSteve39⏩
Nope, it means nobody, not even you, can apply for a new account (including credit card, car loan/lease, mortgage, rental property, etc).
thanks, repped.

don't feel like reading the entire thread, has anyone determined the easiest, most efficient way to freeze everything?
post 1519912701 09-19-2017, 12:56 PM
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#156
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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.
Not for nothing, but this is dumbest bullchit I've ever seen.

Your information was just stolen, and you're gonna wait around for 5 years to MAYBE get $20 in a class-action lawsuit? You won't make much money, guy.

I think signing up for their software for a year to save yourself from getting your identity stolen is much more valuable than 20 dollars. Jesus Christ.
post 1519912781 09-19-2017, 12:57 PM
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#157
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Originally Posted By swaptrex⏩
thanks, repped.

don't feel like reading the entire thread, has anyone determined the easiest, most efficient way to freeze everything?
Gotta go to all three websites and do it each. You can also a fraud alter notification for 90 days, if you request it from one org, it will be set up by all three. However, you have to freeze each one individually. Each state has a separate fee for un-freezing your credit if you need to make a major purchase. In that scenario, ask the sales rep which bureau they go through so you only have to unfreeze one for as little as 24 hours.
post 1519913161 09-19-2017, 01:01 PM
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#158
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Originally Posted By quadfecta⏩
Just lol at having the people affected pay for their own credit monitoring service through those *******s after they're the ones who fukked up. Greedy fuks should offer that chit free for life to everyone affected
THIS THIS THIS.

wtf???? Lmao. "oh hey sorry for fukin you without your consent. Feel free to give us your SS # now and we can help."
post 1519913981 09-19-2017, 01:08 PM
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#159
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Originally Posted By Kalmah6661⏩
I think signing up for their software for a year to save yourself from getting your identity stolen is much more valuable than 20 dollars. Jesus Christ.
except THEIR SOFTWARE is obviously good for chit when it comes to identity theft. It's literally like paying a criminal to help you recover your things after your home was robbed by that exact same idiot. You expect good results?

IS THERE A 3RD PARTY WAY FOR ME TO FREEZE MY CREDIT OUTSIDE OF THIS CHITTY COMPANY?
post 1519918331 09-19-2017, 01:43 PM
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#160
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Originally Posted By HMFIC_BROWSIN⏩
except THEIR SOFTWARE is obviously good for chit when it comes to identity theft. It's literally like paying a criminal to help you recover your things after your home was robbed by that exact same idiot. You expect good results?

IS THERE A 3RD PARTY WAY FOR ME TO FREEZE MY CREDIT OUTSIDE OF THIS CHITTY COMPANY?
No, only way to freeze your credit is to call up or go to their websites of all the 3 credit companies .

- And yes you have to freeze all 3. Freezing just one won't keep you safe
post 1519918831 09-19-2017, 01:48 PM
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#161
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Originally Posted By swaptrex⏩
thanks, repped.

don't feel like reading the entire thread, has anyone determined the easiest, most efficient way to freeze everything?
Yes Someone posted the numbers to call

Equifax โ€” 1-800-349-9960
Experian โ€” 1โ€‘888โ€‘397โ€‘3742
TransUnion โ€” 1-888-909-8872


an now that I can finally post some damn links here are the websites

- Equifaxhttps://www.freeze.equifax.com/Freez...onalIDInfo.jsp
- Experianhttps://www.experian.com/freeze/center.html
- TransUnionhttps://www.transunion.com/credit-fr...-credit-freeze
post 1519920701 09-19-2017, 02:04 PM
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#162
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What chit timing. I'm in the middle of buying a house. Luckily all the credit checks and chit came back with nothing suspicious. Can't freeze anything for a minute.
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post 1519939381 09-19-2017, 05:33 PM
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#163
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I find it hilarious/ironic/sad that out of the three bureau's freeze websites, Equifax is the only website that 1) doesn't allow you to hide your SSN as you type it and 2) doesn't allow you to set your own pin - they generate one for you that you have to use. Not that either of those are huge deal in the grand scheme of things... just kinda funny.
post 1519944451 09-19-2017, 06:37 PM
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#164
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Originally Posted By solidus2k3⏩
just did a security freeze for $10 brahs
so if 1 cost $10, it's a total of $30 to freeze all 3?
post 1519944931 09-19-2017, 06:45 PM
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#165
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FLAT: 225x15 INCLINE DB 100x15 incline bench 225x8 deadlift: [RETIRED!! OUTTA HERE] FS: 225X14
post 1519946281 09-19-2017, 07:04 PM
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#166
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so there is a $10 to activate the freeze and another fee to remove or temp lift. brb going broke paying these greedy companies by going back and forth on this chit.

fk that. the fees are gone once you get fked by an identity theif
post 1519947351 09-19-2017, 07:16 PM
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#167
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Do I freeze my credit if I plan to get 1 or 2 student loans in the next year or two?

Otherwise, whats my best course of action? To get a credit monitoring service? Which is the best?
L.A. LAKERS
post 1519959001 09-19-2017, 09:58 PM
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#168
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Originally Posted By longfellowdeeds⏩
Do I freeze my credit if I plan to get 1 or 2 student loans in the next year or two?

Otherwise, whats my best course of action? To get a credit monitoring service? Which is the best?
Just use CreditKarma, plus the free services the 3 agencies are providing (or at least 2 of them let you do soft locks in their software online).

I cba with a full freeze.
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post 1520146001 09-21-2017, 03:55 PM
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#169
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Things just keep getting worse

Equifax Was Linking Potential Breach Victims On Twitter To A Scam Site





https://www.forbes.com/forbes/welcom...ww.google.com/
post 1520150341 09-21-2017, 04:46 PM
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#170
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Originally Posted By MericaThatsWhy⏩
Things just keep getting worse

Equifax Was Linking Potential Breach Victims On Twitter To A Scam Site





https://www.forbes.com/forbes/welcom...ww.google.com/
those fukkers should hang for this. btw, I'll be making love to your CP tomorrow

I can't do anything but watch at the moment. plan on leasing a ride in november.

hold me brahs
post 1520151311 09-21-2017, 04:59 PM
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#171
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Originally Posted By SpermWhale⏩
those fukkers should hang for this. btw, I'll be making love to your CP tomorrow

I can't do anything but watch at the moment. plan on leasing a ride in november.

hold me brahs
lol thx...also For them to make this mistake is srs fawk up. At this point they should just shut it down or rename their company

- What you could do in the mean time is get a free copy of your credit report and see if anything is wrong with it (any new accounts or inquires you don't recognize)
post 1520153541 09-21-2017, 05:27 PM
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#172
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Fuark, I just had to deal with an identity theft issue that's lasted a year now, and I STILL have to call the damn bank and request for a letter to show the credit bureaus that I got fukked so they can reverse the damage.

Fukking great I may be impacted. Looks like I'll just have to freeze everything... Can I unfreeze if I want to open a new line of credit (or a loan), then refreeze it again?
no sig crew
post 1520155021 09-21-2017, 05:44 PM
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#173
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Originally Posted By jedskeez⏩
Fuark, I just had to deal with an identity theft issue that's lasted a year now, and I STILL have to call the damn bank and request for a letter to show the credit bureaus that I got fukked so they can reverse the damage.

Fukking great I may be impacted. Looks like I'll just have to freeze everything... Can I unfreeze if I want to open a new line of credit (or a loan), then refreeze it again?
Yes but with everything there's a fee (hopefully new laws are passed that allows it to be free soon)

- I'm glad that you shared your struggle with identity theft. Many people think that it's not a big deal and just a simple quick fix. They have no idea how much of a headache it really is
post 1520193311 09-22-2017, 06:00 AM
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#174
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not that anything will come of this, but I heard on the news this morning that the CEO will be in front of congress on Oct 4th
post 1520193811 09-22-2017, 06:11 AM
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#175
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Originally Posted By Luc1fer⏩
WTF, the whole point of a credit lock is to try stop someone from getting a loan in your name.
There are loans that do not require a credit check.

-Paystub (you can fake)
-Identity (that was just stolen)

Sure, it wont be a crazy big loan but you can do a couple before getting caught.
post 1520206431 09-22-2017, 08:51 AM
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#176
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Does the fail with this company ever stop?! This is truly unbelievable. They directed people to a fake site!

http://wlrn.org/post/after-massive-d...mers-fake-site
BrinkZone, Where Bro-Science Got Rabies and Died!

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post 1520222801 09-22-2017, 11:30 AM
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#177
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Originally Posted By SpermWhale⏩
not that anything will come of this, but I heard on the news this morning that the CEO will be in front of congress on Oct 4th
I have a feeling he'll be pleading the 5th for many of the questions
post 1521080521 09-30-2017, 06:14 PM
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#178
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Locked my credit report via Equifax (TrustedID)andTransUnion (TrueIdentity)- both free. Not as good as a full freeze I guess, but good enough for a few clicks.

Experian isn't free though, so I haven't done anything with it yet:https://www.experian.com/consumer-pr...reditlock.html
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post 1521083101 09-30-2017, 06:47 PM
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#179
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Originally Posted By Luc1fer⏩
Locked my credit report via Equifax (TrustedID)andTransUnion (TrueIdentity)- both free. Not as good as a full freeze I guess, but good enough for a few clicks.

Experian isn't free though, so I haven't done anything with it yet:https://www.experian.com/consumer-pr...reditlock.html
Make sure you do, have to freeze all 3 to benefit from freezing your reports.

A lot of companies use Experian to make decision on leading
post 1521084251 09-30-2017, 07:02 PM
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#180
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Originally Posted By MericaThatsWhy⏩
Make sure you do, have to freeze all 3 to benefit from freezing your reports.

A lot of companies use Experian to make decision on leading
God damn, it's $10 to freeze and then another $10 to thaw.
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