Credit Bureau Breached – 143,000,000 American ID’s at Risk – Use The Below Link
Equifax, one of the major credit reporting agencies in the United States discovered their security systems have been breached.
Social Security, Driver License, Dates of Birth, Addresses and other personal information has been stolen.
This effects about half the population of the USA.
See if your personal information is potentially impacted. Schedule now to see if your ID has been compromised. There is no cost to you. Register now, there is a lag time. Many others are also registering.
Although it is a huge pain in the posterior (both to implement and to deal with when you apply for credit) I am now placing a freeze on my credit, too, with each of the four credit bureaus.
Equifax Freeze Link
TransUnion Credit Freeze
Experian Credit Freeze
The downside is having to remove the freeze whenever you wish to apply for new credit, obtain insurance or in some cases get a new job. Another downside is having to pay to release the freeze for a specific purpose or to have it removed. And there are the new PIN numbers to keep safe. Aaarg.
It is actually rather easy to set up a freeze on your credit files with the three bureaus. I don’t think this can be said for the “free” credit report/free credit score sites. Frankly, I don’t think you can do anything to protect your information once it is provided to the “free” service provider.
Frankly, if Equifax cannot keep my information secure, I am not about to provide my personal information to sites that offer free credit and free scores. I have never forgotten what Robert Heinlein wrote in 1966: TANSTAFFL.
UPDATE September 11, 2017
The following information was provided to me this morning by EQUIFAX pursuant to my registration to determine whether my ID had been compromised.
A Progress Update for Consumers
September 11, 2017
We are committed to keeping consumers updated on the steps we are taking to provide them with the support they need and address any issues they are facing in response to this incident. We recognize that some consumers continue to face challenges and in response we have made the following updates:
1) Adjusted our PIN Generation for Security Freezes
We understand and appreciate that consumers have questions about how a PIN is currently generated for a consumer initiating an Equifax security freeze solution. All consumers placing a security freeze will be provided a randomly generated PIN.
2) Call Center Support
When we recognized that Hurricane Irma could impact some of our call center wait times, we arranged to ramp up agents quickly to replace agents impacted by the storm and updated our website to make consumers aware of the situation.
3) Clarification Regarding Automatic Sign-Up to TrustedID Premier
We are not requesting consumers’ credit card information when they sign up for the free credit file monitoring and identity theft protection we are offering to all U.S. consumers. Consumers who sign up for TrustedID Premier will not be automatically enrolled or charged after the conclusion of the complimentary year of TrustedID Premier.
4) Obvious Link from Equifax.com
To make it easier for consumers to find the website dedicated to providing information about this incident, we have reconfigured our website, www.equifax.com, to feature the link more prominently.
5) Adjusted the TrustedID Premier and Clarified Equifax.com
We are listening to issues consumers have experienced and their suggestions. These are helping to further inform our actions, and we are now sharing regular updates on this website. Thank you for your continued patience and feedback as we continue to improve this process.
Following are the snips I gathered while enrolling in the EQUIFAX Trusted ID this AM.
My ID has been impacted
For better or worse, this is what it is.
UPDATE: Here is an article from Mawlwarebytes, published on September 14, 2017, which offers additional insights into identity protection. Equifax aftermath: How to protect against identity theft
Financially Speaking™ James Spray RMLO, CNE, FICO Pro | CO LMO 100008715 | NMLS 257365 | September 8, 2017
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