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[TheOctodad]

I say dissolve Equifax, use their funds to rebuild a fraud protections company over the other two.

 

[GodofWine]

Fraud alert is only 90 days, right?

Yes, can be extended though.

I guess I will freeze since its free in NJ, no harm.

 

[YuriLowell]

Experian and Equifax online credit freeze applications are broken.

Only TransUnion worked for me.

 

[CopperPuppy]

Fraud alert is only 90 days, right?

Experian has the option for an "Active Duty" alert that lasts for a year.

 

[Dr.Horrible]

Do we know much about Innovis? I'm debating putting a freeze on that report as well, but I'm curious who even uses them and if they would use them exclusively or as a supplement to the big 3.

 

[Sarye]

Yes, can be extended though.

I guess I will freeze since its free in NJ, no harm.

But $5 to unfreeze

 

[Izayoi]

But $5 to unfreeze

Lucky... it's $10 per agency to freeze AND unfreeze in Washington state...

 

[mdsfx]

Do we know much about Innovis? I'm debating putting a freeze on that report as well, but I'm curious who even uses them and if they would use them exclusively or as a supplement to the big 3.

Doesn't hurt to freeze with them. It was really easy. Same with Chexsystems.

 

[Fenderputty]

Any good recommendations on comprehensive identity theft protection?

 

[Linkura]

Experian and Equifax online credit freeze applications are broken.

Only TransUnion worked for me.

Experian online worked for my husband but not for me. Had to call for myself.

Was able to freeze myself earlier via phone at Equifax after numerous tries. Still trying to freeze my husband. Their systems are fucked. So right now, what's left is Transunion for my husband (need his account info) and Equifax for him as well.

Thankfully I had free time at work to do this because it's a major pain in the ass.

Edit: Equifax finally successful for my husband. There's a light at the end of the tunnel finally.

 

[Dr.Horrible]

Doesn't hurt to freeze with them. It was really easy. Same with Chexsystems.

Yeah, it was super easy/quick, I'm just curious who even uses them and how (exclusively or supplemental). I'd never heard of them until this thread I believe.

 

[PandaShake]

I froze all three a few days ago with no problems after reading a thorough Reddit post about what to do. Equifax was free in assuming due to the situation. Not looking to open loans any time soon so two fees for the other freezes was a small price to pay. Opted out of cc offers as well.

 

[rambis]

I signed up for Credit Karma today. They say they will notify me of any inquiries.. think this will be enough? I have a car purchase coming up soon and potentially could be moving and dealing with the credit freeze seems like a hassle.

Credit Karma doesn't give you Experian reports. You do get a free full report from all the companies once a year though.


https://www.annualcreditreport.com/

 

[Starviper]

https://krypt3ia.wordpress.com/2017/09/14/equihax/

According to this, the hackers are attempting to sell off the information. Posted as samples are Donald Trumps and Kim Kardashian's info.

Legit?

 

[Z3M0G]

Canadians affected much by this or what? :S Doesn't help I know the absolute minimumin regards to this topic

Not sure where the info in the OP came from, but we seem to know very little...

I was listening to local CBC radio yesterday and the money columnist said that it is basically impossible to find out if you are even affected... He got an endless chain of "Please call this number... please call this number..." and got nowhere.

 

[Z3M0G]

But $5 to unfreeze

At this point nobody should be sweating over $5-10...

Though it is disgusting if they are making profit from people trying to protect themselves after their fuckup... is it them who gets the money? If so, that shit should be FREEEEEEE just out of principle.

 

[ryutaro's mama]

Did it say it was affected, or may have been affected?

Do they even do a more specific message?

I would like to know the answer to this as well.

 

[Ashhong]

Freezing my credit wont affect my credit score actually changing from other reasons right? It will only prevent anyone from doing a soft/hard pull?

 

[Averon]

Well, I went back to that Equifax site and it now says I was impacted. Signed up for their TrustedID service. Already did a fraud alert. Going to just go ahead and do a credit freeze at all three bureaus as well while I am at it.

 

[Very Berry Sunday]

Went here:
https://www.equifaxsecurity2017.com/

"Thank You
Based on the information provided, we believe that your personal information was not impacted by this incident.

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

Should I enroll in trustedID?

 

[Sho_Nuff82]

So is there a long term solution to any of this? A 90 day freeze is only going to work for...90 days. We can't change our SSNs.

Just found out I may have been affected.

 

[Jams775]

Well, I went back to that Equifax site and it now says I was impacted. Signed up for their TrustedID service. Already did a fraud alert. Going to just go ahead and do a credit freeze at all three bureaus as well while I am at it.

I wouldn't trust that site. There are reports saying people are putting in the same information and getting different results each time.

I'd say it's safer to assume you are compromised.

Edit: It's saying I'm not affected, but if they come out with that "freeze all 3" option later, I'll still do it.

 

[Violence Jack]

Just tried to sign up for a credit freeze (Equifax's site is getting hammered at the moment) and signed up for their TrustedID thing. I won't be opening anything for credit until I go house hunting in the spring.

 

[Linkura]

So is there a long term solution to any of this? A 90 day freeze is only going to work for...90 days. We can't change our SSNs.

Just found out I may have been affected.

Um the freeze is permanent. The fraud alert is for 90 days.

 

[TheBaldEmperor]

So is there a long term solution to any of this? A 90 day freeze is only going to work for...90 days. We can't change our SSNs.

Just found out I may have been affected.

Ugh...same here. This is such bullshit.

Edit: looking to freeze I guess dammit

 

[Linkura]

Well my husband and I are totally frozen now. Decided to do his Transunion over the phone as opposed to waiting for his online account info. We don't plan on getting any new credit in the forseeable future, so better safe than sorry.

 

[Cmagus]

Canadians affected much by this or what? :S Doesn't help I know the absolute minimumin regards to this topic

From what I've been reading a small number have been but only if you have dealings with the US.

 

[Blader]

Unless you're getting notifications of someone opening a new credit line in your name, isn't a credit freeze a drastic step? Would I be ok in just setting up a fraud alert? And if so, who would I set it up with - TransUnion? Experian? a third party?

I did the little Equifax quiz that said I might have been affected, but I can't imagine doing their TrustedID service is going to be worth anything since they were the problem in the first place!

 

[Averon]

Goddamn. I tried to do a freeze on Experian site. But I got some error message saying something is preventing them from doing so, but they still took the $10 from my bank account.

 

[sqwarlock]

Frozen with TransUnion, but the other two sites keep erroring on me.

Also I'm dumb and tried to sign up for Credit Karma *after* the freeze. So yeah, that ain't happening.

 

[heavy liquid]

Unless you're getting notifications of someone opening a new credit line in your name, isn't a credit freeze a drastic step? Would I be ok in just setting up a fraud alert? And if so, who would I set it up with - TransUnion? Experian? a third party?

I did the little Equifax quiz that said I might have been affected, but I can't imagine doing their TrustedID service is going to be worth anything since they were the problem in the first place!

No, it's not a drastic step. If you wait until something happens to find out if (when) you're affected, have fun spending at least a few months untangling the fraudulent activity and trying to fix your credit score.

https://krebsonsecurity.com/2015/06/how-i-learned-to-stop-worrying-and-embrace-the-security-freeze/

...credit monitoring services aren't really built to prevent ID theft. The most you can hope for from a credit monitoring service is that they give you a heads up when ID theft does happen, and then help you through the often labyrinthine process of getting the credit bureaus and/or creditors to remove the fraudulent activity and to fix your credit score.

More info:
https://www.theverge.com/2017/9/8/16276194/credit-freeze-equifax-how-to-data-breach

Also, people may want to opt out of pre-approved credit offers.

ID thieves like to intercept offers of new credit and insurance sent via postal mail, so it's a good idea to opt out of pre-approved credit offers. If you decide that you don't want to receive prescreened offers of credit and insurance, you have two choices: You can opt out of receiving them for five years or opt out of receiving them permanently.

To opt out for five years: Call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit www.optoutprescreen.com. The phone number and website are operated by the major consumer reporting companies.

To opt out permanently: You can begin the permanent Opt-Out process online at www.optoutprescreen.com. To complete your request, you must return the signed Permanent Opt-Out Election form, which will be provided after you initiate your online request.

 

[NYCmetsfan]

I get discover, capital one, and mint monthly credit scores. Mint and capital one also tell me the number of credit lines.

if I notice them change can I "fix" fraudulent transaction?

I'd really like not to have to put a freeze on my account

 

[Dead Prince]

locked transunion and experian. trying to get equifax (TrustedIDPremier) to even work. is their email system broken?

 

[KHarvey16]

I get discover, capital one, and mint monthly credit scores. Mint and capital one also tell me the number of credit lines.

if I notice them change can I "fix" fraudulent transaction?

I'd really like not to have to put a freeze on my account

If you notice it you can deal with it but I'm sure it will be way, way more work than just freezing.

There's really almost no down sides to freezing other than cost.

 

[Zoe]

I get discover, capital one, and mint monthly credit scores. Mint and capital one also tell me the number of credit lines.

if I notice them change can I "fix" fraudulent transaction?

I'd really like not to have to put a freeze on my account

Yes. If you see something you don't recognize on your alerts, you can dispute it with the agency.

 

[Blader]

No, it's not a drastic step. If you wait until something happens to find out if (when) you're affected, have fun spending at least a few months untangling the fraudulent activity and trying to fix your credit score.

https://krebsonsecurity.com/2015/06/how-i-learned-to-stop-worrying-and-embrace-the-security-freeze/

If you notice it you can deal with it but I'm sure it will be way, way more work than just freezing.

There's really almost no down sides to freezing other than cost.

What's the cost to it?

 

[KHarvey16]

What's the cost to it?

Cost is set by state law. I think all or most states are either $0, $5 or $10 per agency. Some are reporting equifax is not charging.

 

[GK86]

OP has a link with the cost per state.

 

[Skiptastic]

Froze Experian online and Transunion by phone (ugh).

Can't do Equifax either by phone or website.

 

[Z3M0G]

Went here:
https://www.equifaxsecurity2017.com/

"Thank You
Based on the information provided, we believe that your personal information was not impacted by this incident.

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

Should I enroll in trustedID?

Hmm, tried this and got same info... I'm in Canada though.

 

[Busaiku]

Can't even freeze anything.
Such garbage.

 

[O_Atoll]

Question:

Lets say i freeze all my accounts (Equafax, Exerian and Transunion) and want to guy a car or open up an account. Do i have to unfreeze all 3 or just 1?

 

[Cyan]

Wait what are Innovis and Chexsystems? Do I need to do more freezing?

 

[Zoe]

Wait what are Innovis and Chexsystems? Do I need to do more freezing?

Chexsystems is for banking:

A report may describe banking irregularities such as check overdrafts, unsettled balances, depositing fraudulent checks, or suspicious account handling.

 

[epmode]

Question:

Lets say i freeze all my accounts (Equafax, Exerian and Transunion) and want to guy a car or open up an account. Do i have to unfreeze all 3 or just 1?

Try to find out which agency they'll use to check your credit and just unfreeze that one. If they don't/can't tell, you have to do all three.

 

[O_Atoll]

Try to find out which agency they'll use to check your credit and just unfreeze that one. If they don't/can't tell, you have to do all three.

Thanks for the info. There has to be a better way. Our credit system is fucked up.

 

[Izayoi]

Thanks for the info. There has to be a better way. Our credit system is fucked up.

The unintended benefit of this whole debacle is that it is facilitating a real, serious conversation about the way credit works in modern society. Hopefully some serious change will come about as a result.

 

[IronRinn]

Both Transunion and Equifax's sites aren't letting me do a security freeze. Guess I'll have to call when I get home. And screw PA for charging $10/$10.

 

[Busaiku]

Both Transunion and Equifax's sites aren't letting me do a security freeze. Guess I'll have to call when I get home. And screw PA for charging $10/$10.

Can't even do it over the phone on my end.

 

[IronRinn]

Can't even do it over the phone on my end.

Wonderful. Well, at least Experian worked.