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Equifax Data Breach could affect 143 million customers

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

Also:

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Wait. Fuck. Is it legit or not? It was linked through a CNN article.
 
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.

I called them and they said they are snail-mailing a letter with your PIN within 5-10 business days

Went on hold for the team here...
 
So I should probably place a fraud alert since it said I might be compromised, didn’t say what though.

What happens when I try and doing something involving credit now? I’ll most likely be buying that new iPhone with their upgrade program and they check your credit to make sure I’m eligible.
 
Hopefully this brings reckoning to our current credit system. Its time to put these fucks out of business.


This should probably be in the OP.


https://www.equifaxsecurity2017.com/

Consider this before you use that site though.

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I am able to trace the certificate to the legit root CA. But if it's not doing revocation checks then I could be fucked and this might be some Russian phishing scheme. I entered my infor because I saw it linked on GAF....I should've known better tbh.

It's legit, they're just sloppy. As usual.

This is kinda where I'm at as well. They picked a really shitty website name tbh.
 
It says the opt out letter has to include your User ID. So does that mean if you haven't signed up for TrustedID yet you don't have to send a letter or that you've probably already been assigned a User ID by using the site to check your status?
 
Going off that Ars article. For a credit reporting company Equifax has an incredibly laissez-faire attitude to security forreal. Exposed usernames and debug codes on production servers, wtf.
 
It says the opt out letter has to include your User ID. So does that mean if you haven't signed up for TrustedID yet you don't have to send a letter or that you've probably already been assigned a User ID by using the site to check your status?

Just checking your status is okay...it's the "click here to enroll" afterwards where you actually sign up for the thing
 
This sounds like a scam, all of it. Why would anyone sign up for anything from Equifax so they can get paid (by retaining customers) after this inexcusable breach?
 
I am able to trace the certificate to the legit root CA. But if it's not doing revocation checks then I could be fucked and this might be some Russian phishing scheme. I entered my infor because I saw it linked on GAF....I should've known better tbh.



This is kinda where I'm at as well. They picked a really shitty website name tbh.
Its a legitimate site for sure, just poorly implemented.
 
Its a legitimate site for sure, just poorly implemented.

All I did was check because, well, fuck them. I'm not signing up for shit. Just freezing my accounts.

Gah this is such a nightmare.

@IceCold - use the phone number. That worked for me after I got an error on the website.
 
Was impacted according to site; proceeded to put a freeze on the three bureaus.

I'm not planning on any new loans or new cards in near future, and this is a big exposure...some small peace of mind, I guess (however far that goes with these clowns).
 
The fact that they were able to hold so much data without insuring the owners of that data is insane.

1 year of protection isn't going to cut it. It should be lifetime coverage, but I'll settle for the complete dismantling of Equifax and its ilk.
 
Wow - so I experienced fraud on my debit card two weeks ago and this was one of the two unauthorized charges.


Sorry to hear, hope you managed to get it reversed and all fixed out.

-----

After reading many posts saying that simply checking if your info was breached was safe and doesn't force you into that PremierID thing so I decided to check and to no surprise I got the

"Thank You
Based on the information provided, we believe that your personal information may have been impacted by this incident."

Message =/ As advised I set up a 90 day fraud alert with Transunion and got a copy of my credit report. Thankfully nothing out of place seems to be going on in it but I'm assuming my credit card being compromised earlier today is probably a result of this.

I'm very low income so I can't afford to freeze my accounts so hopefully what I was able to do will be enough at least for now. Such a sucky unfair situation overall though =/
 
It's outrageous that I have to pay these negligent imbeciles to freeze my credit. Hope Equifax crashes and burns, and its acumbag executives go to jail for the rest of their lives.
 
Is this for people who signed up after checking the status of being affected or not?

Is there any type of verbage we should use when writing that letter? This feels so fucking scummy of them, they know people are going to sue the FUCK out of them.
 
Is there any type of verbage we should use when writing that letter? This feels so fucking scummy of them, they know people are going to sue the FUCK out of them.

Just include the information they ask for, a one line statement about opting out, and then your name and signature, maybe the date you signed the letter.

Imagine sending a one statement letter to a lawyer or sommit, similar thing, keep it short and professional.
 
It's unreal that you have to SIGN UP for monitoring, those assholes should be automatically doing this after the hack, not just offer protection. It's just all unbelievable.
 
Maybe I'm being silly, but I'm kind of scared to do the freeze. I'm afraid it's going to make applying for jobs a nightmare, or that I'm going to lose the pins.

Nah, don't be scared of the freeze. The only time it's ever even a hassle is if you need to do something like apply for a credit card, buy a new iPhone, get a car loan, apply for an apartment, etc and has nothing at all to do with applying for jobs. Since those aren't typically things that just pop up unexpectedly in life, you just gotta call the three companies like a day in advance and pay a small fee to do a temporary lift on the freeze. You set the length of the lift and pay them and at the end of your window it automatically freezes again. So if anything it's more of a nuisance to remember and have to pay the fee but 1) it's worth it for the security and 2) you probably won't have to do that very often unless you have a really productive year and buy a car and a house or want to buy a new iPhone every year.
 
Why the fuck should I trust Equifax's shittily-operated website with my full name and two-thirds of my Social Security number when they've already proven that they aren't competent enough to handle/secure such information?

They should have to send a snail mail letter to every single person in the United States who may have been affected by this with a clear explanation of whether or not that person's identity is compromised.

What a bunch of ass hats.

Aren't the freezes useless because enough information was leaked for someone to unfreeze your accounts?

I believe when you freeze it you set up a PIN and must provide that to unlock it. But there goes another problem: I'll take it a step further and assume that enough information was leaked to where whoever has your information can lock your own credit history and set up their own PIN, further preventing you from fixing the mess.

The only loan I applied for in the past several years was a car loan early last month and it looks like they ran my credit through TransUnion, so hopefully I'm good. But undoubtedly Equifax probably got their hands on my shit at some point. But I don't feel it's worth the risk to run it through their shitty website for them to tell me I'm SOL.
 
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