Equifax breach

[jackio Gold Contributor Find all posts View Profile Close jackio]

I went to their website and both my husband and I have probably been compromised. Crap!

[Luanne Senior Member Find all posts View Profile Close Luanne]

Me too.

[PeterS Moderator Find all posts View Profile Close PeterS]

Give it a few days...

There have been reports of people getting different responses after checking in a few times.
Also fake names and fake SS#s are also getting confirmed...

They are supposed to be correcting it...

Google it for the latest news...

[tonyg Goomba & Super Moderator Find all posts View Profile Close tonyg]

Just tried to access the Equifax website and got a virus warning. Pathetic !

[PeterS Moderator Find all posts View Profile Close PeterS]

Just tried to access the Equifax website and got a virus warning. Pathetic !

Great.....

Reports of SPAM emails coming in pretending to be Equifax with a link for help... of course fake..

New interesting item is that in the fine print of Equifax's site... by using their service, you give up your right to sue them or even to join a class action suit...
It is unclear whether these means if you use the checker or if you take them up on the one year of free protection service... Nice customer service...

Also with drivers license info and SS# etc... even if you freeze all your credit accounts... Fake accounts and loans can be setup through Pay Day Loan centers as they don't check credit ratings because people who go there usually have bad credit... no reason to check...

Even the IRS chimed in that they are trying to come up with a plan to deal with this before next years's tax season... Expect a rise in tax return fraud...
The only advise from them is to file early but due to their government reporting regulations, you may not get all your info that early....

Just one big mess.... and pain for many people...

[jackio Gold Contributor Find all posts View Profile Close jackio]

Great.....

Reports of SPAM emails coming in pretending to be Equifax with a link for help... of course fake..

New interesting item is that in the fine print of Equifax's site... by using their service, you give up your right to sue them or even to join a class action suit...
It is unclear whether these means if you use the checker or if you take them up on the one year of free protection service... Nice customer service...

Also with drivers license info and SS# etc... even if you freeze all your credit accounts... Fake accounts and loans can be setup through Pay Day Loan centers as they don't check credit ratings because people who go there usually have bad credit... no reason to check...

Even the IRS chimed in that they are trying to come up with a plan to deal with this before next years's tax season... Expect a rise in tax return fraud...
The only advise from them is to file early but due to their government reporting regulations, you may not get all your info that early....

Just one big mess.... and pain for many people...

I also read that by enrolling in the free credit monitoring, you have to sign up for a credit card through them.
That is outrageous, profitting from their mistake.

[Luanne Senior Member Find all posts View Profile Close Luanne]

I also read that by enrolling in the free credit monitoring, you have to sign up for a credit card through them.
That is outrageous, profitting from their mistake.

I thought you had to provide your credit card [so they can charge you after the free year unless you cancel] but not that you have to sign up for a credit card through them.

[tonyg Goomba & Super Moderator Find all posts View Profile Close tonyg]

Some suggestions from one of my banks:

Here are some other steps to take to help protect yourself after a data breach:

• Check your credit reports from Equifax, Experian, and TransUnion — for free — by visiting annualcreditreport.com. Accounts or activity that you don’t recognize could indicate identity theft. Visit IdentityTheft.gov to find out what to do.

• Consider placing a credit freeze on your credit report files. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts.

• Monitor your existing credit card and bank accounts closely for charges you don’t recognize.

• If you decide against a credit freeze, consider placing a fraud alert on your credit report files. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you.