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[Complistic]

Have fun looking at my student loans.

Oh, they'll have more fun than that.

 

[HomerSimpson-Man]

You got to be kidding me. It took me over ten years to get my credit score to a good place, repairing the damage I've made in my youth that I'm not rejected on credit applications increase anymore and this happens.

You had one job Equifax! This can literally ruin someone's livelihood.

 

[DUFFMCWALIN]

I froze Equifax and Experian credit accounts. I'll probably do the same for TransUnion. I don't need to open any more credit at the moment.

 

[dallow_bg]

I monitor my reports frequently and already had fraud alerts on, and get notifications of new activity. Like I opened a credit card last month and got various emails and notifications from the different services already monitoring it.

I don't know that I need to freeze... I guess I'll just dispute anything right away should something happen to pop up.

 

[Omadahl]

Whelp, I'm affected. Luckily we bought some monitoring protection after that whole Target fiasco.

 

[Jmille99]

Apparently you can now opt-out of the arbitration clause...

Also:

 

[Averon]

Put in a 90 day fraud alert request with Equifax. That should be enough protection, right? Or I should take their offer for their Trust ID Premier service.

 

[ViciousDS]

Apparently you can now opt-out of the arbitration clause...

Also:

and literally everyone is telling people to check there.......of for fucks sake

 

[HomerSimpson-Man]

Apparently you can now opt-out of the arbitration clause...

Also:

Oh, for the love of....


...you dense motherf'kers!

 

[crimsonheadGCN]

Should I request new credit cards and debit cards? Or will my bank do that automatically?

 

[Somnia]

I hope Equifax gets back to me soon about getting my PIN number after freezing my credit with them. I'm sure it's going to be a hassle to get it, but I have to have it. What a bunch of idiots, their pin unlike the other 2, loads in a separate PDF image below after you sign up and it failed to load for me.

 

[Darg]

I might be hosed.

I put a freeze on Equifax, but it wouldn't load the PDF image to print and see my pin number, so now I have no pin number. Can't find who to call or e-mail.

Try this first: 800-846-5279.

Otherwise you would have to request one in writing which is the last option you want to take.

 

[Erekiddo]

Just froze all three.

Fuck this. My credit score isn't going down the drain cause of this.

 

[ViciousDS]

Should I request new credit cards and debit cards? Or will my bank do that automatically?

this shouldn't affect those.....but affect peoples abilities to get those in your name.

 

[LopezDeLaGuerra]

I feel like the OP should be updated on how to check/and freeze your credit, fuck this shit show.

 

[LegendofLex]

Put in a 90 day fraud alert request with Equifax. That should be enough protection, right? Or I should take their offer for their Trust ID Premier service.

If your SSN is compromised, it's unlikely that you'll suddenly be secure after 90 days.

I feel like the OP should be updated on how to check/and freeze your credit, fuck this shit show.

https://www.consumer.ftc.gov/articles/0275-place-fraud-alert

https://www.consumer.ftc.gov/articles/0279-extended-fraud-alerts-and-credit-freezes

Includes lists of steps, links to agency web pages, and agency phone numbers.

 

[5taquitos]

Should I request new credit cards and debit cards? Or will my bank do that automatically?

Depends on if Equifax is notifying the card brands about affected numbers. You may just want to call your bank and ask if they are aware.

 

[Linkura]

Bullshit. The company knew since July, I find it hard to believe it took weeks for something this big to make it up to the C-levels

Absolutely. The fucking CFO? He would know IMMEDIATELY.

 

[dallow_bg]

Absolutely. The fucking CFO? He would know IMMEDIATELY.

Yeah, that makes zero sense.

 

[Somnia]

Try this first: 800-846-5279.

Otherwise you would have to request one in writing which is the last option you want to take.

Thanks, will try this. Higher than average wait times, shocker.

 

[melonrabbit]

Could someone please tell me where to look to freeze my accounts? I've never looked into it before.

 

[Ultryx]

Could someone please tell me where to look to freeze my accounts? I've never looked into it before.

http://clark.com/personal-finance-credit/credit-freeze-and-thaw-guide/

Here, friend.

 

[GoldenEye 007]

Bullshit. The company knew since July, I find it hard to believe it took weeks for something this big to make it up to the C-levels

Hah yup. Especially as they were also apparently not regularly scheduled sales.

 

[rambis]

and literally everyone is telling people to check there.......of for fucks sake

Well Equifax themselves are directing people here. If there's another breach then they can just add it to the pile they've built themselves.

 

[Jarrod38]

Anyway to check to see if your information was part of the leak?

 

[Ultryx]

Anyway to check to see if your information was part of the leak?

is merely using that form to check if you've been compromised considered "enrolling"?

I'm talking about this...
https://trustedidpremier.com/eligibility/eligibility.html

.

 

[rokkerkory]

CIO should get fired for this

 

[rambis]

Absolutely. The fucking CFO? He would know IMMEDIATELY.

Yeah, that makes zero sense.

Hah yup. Especially as they were also apparently not regularly scheduled sales.

Hopefully this brings reckoning to our current credit system. Its time to put these fucks out of business.

Anyway to check to see if your information was part of the leak?

This should probably be in the OP.


https://www.equifaxsecurity2017.com/

Consider this before you use that site though.

 

[Jarrod38]

.

Thanks checked and looks like I'm safe

 

[criesofthepast]

So the money paid to freeze credit is going to Equifax? So Equifax is being rewarded money by those freezing for fucking up? Forgive my ignorance on the subject but I am not sure I get this.

 

[backflip10019]

Good on Schneiderman. Hope he buries these fucks.

 

[ViciousDS]

So the money paid to freeze credit is going to Equifax? So Equifax is being rewarded money by those freezing for fucking up? Forgive my ignorance on the subject but I am not sure I get this.

you've always had to pay to freeze your credit, but your right..........its bullshit they get to basically cash in on this now, because they fucked up hardcore

 

[Somnia]

Try this first: 800-846-5279.

Otherwise you would have to request one in writing which is the last option you want to take.

THANK YOU!!!

Just got off the phone with them, just had to answer some questions on my credit report and they are mailing me my pin number in the mail in 5-10 business days

Just an FYI incase anyone else has my problem do the above!

 

[Reallink]

Do any credit cards include a perk of free real time monitoring that alerts you if someone tries to open accounts? I think I've gotten emails about monitoring from my capital one card?

 

[criesofthepast]

you've always had to pay to freeze your credit, but your right..........its bullshit they get to basically cash in on this now, because they fucked up hardcore

Least they could do is offer to freeze for free. This has all been handled terribly. This is like potentially more costly than someone stealing all the gold in fort knox. Equifax security was obviously handled by these two guys:

 

[Zoe]

I monitor my reports frequently and already had fraud alerts on, and get notifications of new activity. Like I opened a credit card last month and got various emails and notifications from the different services already monitoring it.

I don't know that I need to freeze... I guess I'll just dispute anything right away should something happen to pop up.

Yeah, I don't really see the point in freezing if you're already monitoring your credit and aren't expecting to make any big changes in the near future.

And I don't want to give money to the people who just screwed everyone over.

 

[Somnia]

I know there's a debate to freeze or not, but I feel a lot safer having them frozen, I'm ok with paying to temp. un-freeze them when needed, not that I plan on having to do that anytime soon. I am NOT good at monitoring them so this is a good solution for me.

 

[KINGofCRA5H]

Apparently you can now opt-out of the arbitration clause...

Also:

son of a bitch. I literally just checked and they said I was affected, so I signed up through this site. Fuck.


Last year someone got a hold of my info and managed to get a Discover card in my name, but it's been completely taken care of, no issue with my credit, and I have had a credit freeze placed at all three agencies since then. If I understand correctly, a credit freeze at each agency is permanent unless I remove it, yes? I live in California.

Just wondering if I should start freaking out or if I'll be OK because of the freezes.

 

[Sunset Samurai]

My coworker had 200 drew from her account

 

[SyNapSe]

Yeah, I don't really see the point in freezing if you're already monitoring your credit and aren't expecting to make any big changes in the near future.

And I don't want to give money to the people who just screwed everyone over.

How much does monitoring your credit really help? Let's say they went to a payday loan place and took at a loan in my name/SSN. I get an email a while later about my new loan. The money is gone. Aren't I going to be fighting to clear this from my record forever?

 

[SafeinSound]

Does your credit score still go up and down when a freeze is in place?

Currently at 806 but I'm worried about what the implications are.

Curious about this as well. As I'm thinking about freezing my credit

 

[Meh3D]

I just checked my FICO score with Citibank. I was at 842+ from the beginning of this year until my score suddenly dropped on July 25th.

 

[Complistic]

son of a bitch. I literally just checked and they said I was affected, so I signed up through this site. Fuck.


Last year someone got a hold of my info and managed to get a Discover card in my name, but it's been completely taken care of, no issue with my credit, and I have had a credit freeze placed at all three agencies since then. If I understand correctly, a credit freeze at each agency is permanent unless I remove it, yes? I live in California.

Just wondering if I should start freaking out or if I'll be OK because of the freezes.

If it said you were already fucked, then any information that could be taken from that site is information they already had. To everyone else, welcome to the club I guess?

 

[Complistic]

Curious about this as well. As I'm thinking about freezing my credit

You credit score will still change, the only thing it does is stop thieves from taking out new lines of credit. It prevents them, where credit monitoring will notify you once they've already done it. Then you'd have to go through the super fun process of fixing it.

 

[psynergylover]

Just when I start to build credit....G fucking G!

 

[xDUMPWEEDx]

I wish we could sue them for this shit.

I can't wait for the class action lawsuit where all of us end up getting a check for $1.27 in the mail 2 years from now.

 

[Zoe]

How much does monitoring your credit really help? Let's say they went to a payday loan place and took at a loan in my name/SSN. I get an email a while later about my new loan. The money is gone. Aren't I going to be fighting to clear this from my record forever?

The only thing you lose is time, and the record certainly isn't forever. As soon as the reporter acknowledges it's fraudulent, it will be gone.

 

[anonymous_abc]

.

 

[nicoga3000]

So I need to look into this because my wife and I have good credit (770-790 depending on who's reporting it). I really don't want to fuck myself.

However, we're traveling overseas for 2 weeks in a few weeks. So I'm trying to figure out what all this "freeze" nonsense is about and how to do that, but also how to make sure that we can use our Southwest card while we're in Europe to accrue those points.

Fuck Equifax man. I hope they get deleted. This kind of breach legit ruins people.

 

[gutter_trash]

the gouvernement needs to intervene and punish Equifax hard, this is a breach of public security