Author Topic: Equifax GDI.. 90% of Americans with CREDIT affected  (Read 4022 times)

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Offline tp4tissue

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Equifax GDI.. 90% of Americans with CREDIT affected
« on: Fri, 08 September 2017, 11:56:49 »
Sooooo....

It seems like a credit freeze at all 3 credit agency is the best way get ahead on this ?


anyone else considering this ?

Offline SpAmRaY

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Re: Equifax GDI..
« Reply #1 on: Fri, 08 September 2017, 11:59:35 »
I'm honestly not sure what to do....

Credit freeze might stop new accounts but with the info that was stolen they could potentially access current accounts.... :o

Bad time to have a >800 credit score  ???

Offline tp4tissue

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Re: Equifax GDI..
« Reply #2 on: Fri, 08 September 2017, 12:08:18 »
I'm honestly not sure what to do....

Credit freeze might stop new accounts but with the info that was stolen they could potentially access current accounts.... :o

Bad time to have a >800 credit score  ???

Yea,  this is a huge problem, because of pre-screened pre-approval..

if you took all the people with good credit score,   tap it into most credit card offers, they get instant approval..  and the credit card arrives in days..


They need to shut that down,   i hope they'll at least do that much..



As for our end, 

credit freeze,   freaking they charge for this service btw,   done in by THEIR fukup..  Tp4 So angry.. !!!!


freeze main bank account,   

take money out for a day to day account


Prrrobably cancel all the credit cards you don't use..


Close all online portal checkouts except for paypal..



If anyone have any ideas.. post um'



Offline tp4tissue

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Re: Equifax GDI..
« Reply #3 on: Fri, 08 September 2017, 12:13:35 »
just closed my masterpass

visa checkout is so weird, i'm not getting the confirmation code from them.. gdi..

why does nothing work ..



DAMN YOU INTERNET.. !!!

Offline SpAmRaY

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #4 on: Fri, 08 September 2017, 12:20:31 »
I noticed chase.com has been very slow..... :shiftyeyes:

Offline tp4tissue

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #5 on: Fri, 08 September 2017, 12:34:22 »
I noticed chase.com has been very slow..... :shiftyeyes:


The difference between this breach and previous breach,   is that it's so extensive and so large,   that they may potentially NEVER have enough investigators to get people's account back on track if the full extent of identity theft is exploited..

148 million people,    that's nearly EVERYONE who is old enough to have credit.. 

How many investigators could they possibly hire to handle the potential volume of compromised cases.



I have very little confidence in the system based on these numbers.. sigh.......



IDK, maybe we should go out and buy gold or  idk,  i guess guns and ammo, incase this turns into a prep-pers thing.



Oh, need i mention, someone already tried to hack my yahoo account.

Offline tp4tissue

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #6 on: Fri, 08 September 2017, 12:44:12 »
ok.. both visa checkout and masterpass are closed..

paypal still has a bunch of stuff pending, so i gotta leave that open..


sigh.......................   so much pain the buttz.

Offline dante

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #7 on: Fri, 08 September 2017, 19:58:48 »
Due to this I've been thinking of enrolling in Lifelock or IdShield.

Thoughts?

Offline fohat.digs

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #8 on: Fri, 08 September 2017, 20:05:04 »
I don't think that Lifelock enjoys much respect.
"It's 110, but it doesn't feel it to me, right. If anybody goes down. Everybody was so worried yesterday about you and they never mentioned me. I'm up here sweating like a dog. They don’t think about me. This is hard work.
Do you feel the breeze? I don't want anybody going on me. We need every voter. I don't care about you. I just want your vote. I don't care."
- Donald Trump - Las Vegas 2024-06-09

Offline AuthenticDanger

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #9 on: Fri, 08 September 2017, 20:06:43 »
F Keys belong on the left.

Offline tp4tissue

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #10 on: Fri, 08 September 2017, 20:08:16 »
Due to this I've been thinking of enrolling in Lifelock or IdShield.

Thoughts?


can't beat  gold bars a shovel and the back yard.

Offline riotonthebay

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #11 on: Fri, 08 September 2017, 20:13:52 »
I tried to freeze my credit earlier but wasn't able to freeze Experian for whatever reason -- the online form kept claiming that they were denying the freeze, and when I called they said they were unable to process it. Maybe it's just a temporary issue while they're processing so many freeze requests or something. I'll try again tomorrow.

Offline tp4tissue

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #12 on: Fri, 08 September 2017, 20:25:06 »
I tried to freeze my credit earlier but wasn't able to freeze Experian for whatever reason -- the online form kept claiming that they were denying the freeze, and when I called they said they were unable to process it. Maybe it's just a temporary issue while they're processing so many freeze requests or something. I'll try again tomorrow.

i'm a little hesitant to do all that online now.. hahaha

put social security number into a web system that was JUST compromised.. hahahahaha

Offline tp4tissue

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #13 on: Fri, 08 September 2017, 20:55:13 »
-moved

Offline noisyturtle

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #14 on: Fri, 08 September 2017, 20:57:51 »
If even so much as check your account status you are agreeing to not file a class action lawsuit against them.

Also love how 3 execs sold off a bulk of their shares before the breech was publicly announced.

Offline tp4tissue

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #15 on: Fri, 08 September 2017, 20:58:57 »
If even so much as check your account status you are agreeing to not file a class action lawsuit against them.

That is only through the current equifax check page..

They are indeed trying to pull one over the public, hahaha.. 

Don't bother checking,  it's 90% of all americans with credit,   so , what's the point, you can assume you're affected.

Offline tp4tissue

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #16 on: Fri, 08 September 2017, 21:00:17 »

Also love how 3 execs sold off a bulk of their shares before the breech was publicly announced.


No, that is not what happened,  they sold off only a small portion of their shares.


This is done ON PURPOSE, to control the public topic of discourse.   

They want people talking about the SCANDAL,   rather than the severity of the Compromised Security..


This is a tried and true tactic used by PR management..  / it's a misdirect. !!

Offline tp4tissue

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #17 on: Fri, 08 September 2017, 21:07:32 »
OKOKOK..

Tp4 was filling out the online application for credit freeze just moments ago..


and Tp4 Paranoia Mode activated to maximum Alert status..


Imagine you're the SuperDuper hacker group..

Now,  Obviously this is going to be a multi-front offensive,  there has to be a back up or complementary hack plan..


So, Equifax, for them is the main battle front.. However,  secondary to that,  they could extrapolate that the immediate consequence upon success @ Equifax,  would put people towards completing credit-freezes.

Now, this super hacker,  would simultaneously attack a Less-guarded system, the credit freeze web-form page, where people will be inputting all their info including their full-ssn..


This complementary attack has 2 valuable purposes.


#1,   it increases the total percentage of compromised data accounts, as it's a second dip at data..

#2,   it also identifies to Some-extent, people who have accounts worth hacking and pilfering,  because one could assume those with the most to lose, would be most motivated to protect themselves through the data freeze..



The combination of all these variables..   particularly the fact that this credit freeze process is a lesser hardened target, with potentially the same or GREATER amount of personal information relative to effort.. makes it an extremely likely complimentary assault....



What does geekhack's tacticians think ?

Offline mrhead

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #18 on: Fri, 08 September 2017, 21:48:38 »
I think we should all go back to living paycheck to paycheck!

Offline atarione

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #19 on: Sat, 09 September 2017, 14:44:24 »
so apparently if you sign up for the equifax Trusted ID premier thing they suggest..

not only do you have to give them all of your information (which they have just proved they can't really be trusted with) .. you also are apparently waiving your rights to participate in any class action lawsuits against them for losing your information in the 1st place ... or at least their terms seem to try to imply that however it is apparently dubious if it will hold up.... great...


https://www.washingtonpost.com/news/the-switch/wp/2017/09/08/what-to-know-before-you-check-equifaxs-data-breach-website/



atarione has quite high credit score and is  unsure what teh actual **** to do at this point...   modern world is kind of a pain in the butt sometimes...  however not dying from tuberculous is nice certainly...

Offline dante

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #20 on: Sat, 09 September 2017, 14:53:17 »
So lesson learned: The best plan of defense is to have a terrible credit rating.

Offline tp4tissue

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #21 on: Sat, 09 September 2017, 14:56:36 »
So lesson learned: The best plan of defense is to have a terrible credit rating.

also.. 100% vegetables..

Offline HotRoderX

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #22 on: Sat, 09 September 2017, 15:03:07 »
Just my 2 cents on this issue but with the size of the breach and the possible issues. I think we might have to start looking at another way of handling credit worthiness. This was bound to happen at some point thought its just the natural evolution of the internet and computer technology in general. The more information stored in the cloud/online... the more likely a breech will happen. There no way to stop a breech really. Codes written by humans who are not perfect... even if we had AI writing the code! ((assuming that even be possible)) a smarter AI would be able to find a flaw I am sure... I don't know I think its the beginning of the end for the 3 major credit scoring companies. Cause people are going to put less stock into them... and whelp.. no ones going to want to take on the risk. Cause I am sure at the end of the day! The company with the data breach will be sued into dust!... by not only citizens but by governments around the world who have to help clean up this mess.

Offline tp4tissue

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #23 on: Sat, 09 September 2017, 15:15:52 »
Probably every one will need new social security numbers..

Offline HotRoderX

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #24 on: Sat, 09 September 2017, 16:15:37 »
A friend had to get a new SSN... and wow it took him like 6 months! A lawyer... and a scary amount of paperwork. That was several years ago! most likely 10 but I remember the nightmare he went thought. I couldn't even see millions of people having to get new socials.

Offline tp4tissue

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #25 on: Sat, 09 September 2017, 16:29:12 »
A friend had to get a new SSN... and wow it took him like 6 months! A lawyer... and a scary amount of paperwork. That was several years ago! most likely 10 but I remember the nightmare he went thought. I couldn't even see millions of people having to get new socials.



basically , it'll work like getting a new -big- password.


So,  the old social stays in place as an identifier, like your name.   But you are then assigned a new  personal code..


The reason why the old system was so problematic, was because they had to remove and replace..


In this case,  it should only be a matter of going to the dmv with all your old documents,  and click click,  new password generated.

Offline ergo_guy

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #26 on: Wed, 13 September 2017, 22:50:40 »
I think that part of the problem is that we use ssn as an universal identifier even though that was never what was intended to be. 

Do I have a solution? No. 

Do I think it would be that different if we used a different identifier? Probably not. 

I is not that scared though, cause I don't have any money after buying keycaps.


If the freeze system is weaker as tp4 thinks, then that could be an issue, idk wether it is weaker though.  If it is, they should fix that then.


I think best paranoid person option is either gold bar and shovel or swiss vault.

Offline digi

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Re: Equifax GDI.. 90% of Americans with CREDIT affected
« Reply #27 on: Thu, 14 September 2017, 12:43:38 »
So are we (Geekhack0rz) going to freeze our credit then? Do we have a choice? What is our general consensus??