Huge Data Breach Leaves Millions of Americans at Risk - ProTeacher Community


Home Join Now Search My Favorites
Help


      Teacher News & Opinion

Huge Data Breach Leaves Millions of Americans at Risk

>

Reply
 
Thread Tools
News's Avatar
News News is offline
 
Joined: Jan 2013
Posts: 240
Staff

News
 
News's Avatar
 
Joined: Jan 2013
Posts: 240
Staff
Huge Data Breach Leaves Millions of Americans at Risk
Old 09-08-2017, 03:55 PM
 
Clip to ScrapBook #1

Quote:
"Criminals accessed personal information of up to 143 million Americans — roughly 44 percent of the U.S. population — in a stunning data breach at credit-reporting firm Equifax, the company said Thursday. Names, Social Security numbers, birth dates, addresses and some driver’s license numbers were accessed by criminals..."
Read more...



See also:

1. Check Equifax to see if you were affected:
https://www.equifaxsecurity2017.com/potential-impact/
(you don't need to enroll in their credit monitoring service to check)


2. Consider placing a 'security freeze' on your credit records:

How to "Freeze" Your Credit Files
https://oag.ca.gov/idtheft/facts/freeze-your-credit

(from California Attorney General website; other states have similar laws)

Credit Freeze FAQs
https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs


Equifax: https://www.freeze.equifax.com
Experian: https://www.experian.com/freeze/center.html
TransUnion: https://www.transunion.com/credit-fr...credit-freeze2 **
Innovis: https://www.innovis.com/personal/securityFreeze



3. Alternatively, consider placing a 'fraud alert' (lasts 90 days, but can be renewed)

https://www.consumer.ftc.gov/article...ce-fraud-alert


4. Monitor your bank and financial accounts regularly.


5. Get a free copy of your credit report every 12 months:

https://www.annualcreditreport.com/index.action
(three free reports; one from each credit reporting company)





Related:

the Equifax data breach is worse than you can imagine

Equifax’s response to breach slammed as Americans face a lifetime of problems from the hack

Equifax: woeful PINs put frozen credit files at risk

Equifax Makes Hack Fallout Worse With Bad Credit Freeze PINs


-----------------------------
**TransUnion has a free "TrueIdentity" service that lets you lock/unlock your TransUnion credit report at no cost, which they say is 'similar' to placing an actual security freeze on your TransUnion credit report.


News is offline   Reply With Quote

multigrade's Avatar
multigrade multigrade is offline
 
Joined: Aug 2009
Posts: 11,748
Senior Member

multigrade
 
multigrade's Avatar
 
Joined: Aug 2009
Posts: 11,748
Senior Member

Old 09-09-2017, 04:03 AM
 
Clip to ScrapBook #2

Thank you so much! I was affected, BUT my credit report was already frozen. Hope that helped.
I still prefer to have issues as part of a group instead of just me!
multigrade is offline   Reply With Quote
Clarity Clarity is offline
 
Joined: Aug 2010
Posts: 5,092
Senior Member

Clarity
 
Joined: Aug 2010
Posts: 5,092
Senior Member
Wait, who am I giving this information to?
Old 09-09-2017, 06:18 AM
 
Clip to ScrapBook #3

I just wonder. I entered the info and the answer was "you may have been impacted." Then they want more information. Just not sure I feel safe giving them more data.
Clarity is offline   Reply With Quote
c6g c6g is offline
 
Joined: Jan 2017
Posts: 90
Full Member

c6g
 
Joined: Jan 2017
Posts: 90
Full Member

Old 09-09-2017, 06:36 AM
 
Clip to ScrapBook #4

Editor, thanks for also mentioning Innovis. Most of us have heard only about the big three, Equifax, TransUnion, and Experian, but there are several others as well. Most are smaller specialty agencies, dealing with tenant screening, check and bank screening, personal property insurance, etc.

http://files.consumerfinance.gov/f/2...-companies.pdf

Until yesterday, I had never heard of Innovis. From my brief research, Innovis is a bit different from the others. There is no such thing as an Innovis credit score. You can't get your report from AnnualCreditReport.com. Still, from things I've been reading, it is a good idea to request a credit report from them and put a freeze on it.
c6g is offline   Reply With Quote
c6g c6g is offline
 
Joined: Jan 2017
Posts: 90
Full Member

c6g
 
Joined: Jan 2017
Posts: 90
Full Member
More about Innovis
Old 09-09-2017, 06:40 AM
 
Clip to ScrapBook #5

For those wanting to know more about Innovis (and CBCInnovis):
http://www.creditinfocenter.com/word...credit-bureau/


c6g is offline   Reply With Quote
anonymouse's Avatar
anonymouse anonymouse is offline
 
Joined: Oct 2005
Posts: 7,817
Senior Member

anonymouse
 
anonymouse's Avatar
 
Joined: Oct 2005
Posts: 7,817
Senior Member

Old 09-09-2017, 03:31 PM
 
Clip to ScrapBook #6

Clarity, I have Experian credit monitoring free through USAA. Remember, if you elect to take the monitoring from equifax, you lose your right to sue them if your identity is stolen.
anonymouse is offline   Reply With Quote
c6g c6g is offline
 
Joined: Jan 2017
Posts: 90
Full Member

c6g
 
Joined: Jan 2017
Posts: 90
Full Member

Old 09-09-2017, 07:23 PM
 
Clip to ScrapBook #7

Just placed a freeze with Innovis. They made it very easy, and unlike the others, there was no charge.
c6g is offline   Reply With Quote
grav_def's Avatar
grav_def grav_def is offline
 
Joined: Jan 2009
Posts: 6,777
Senior Member

grav_def
 
grav_def's Avatar
 
Joined: Jan 2009
Posts: 6,777
Senior Member

Old 09-09-2017, 07:29 PM
 
Clip to ScrapBook #8

I'm so angry about all this. It's not like I ever wanted Equifax to have all my personal info in the first place.

Also, last night neither they nor TransUnion would let me freeze my credit online. They both directed me to do it by mail--after I'd entered all my info, of course. Experian worked. Did anyone else run into that? I'm guessing it's because the system was overwhelmed with everyone trying to do it at the same time, but it's making me even more paranoid...
grav_def is offline   Reply With Quote
annie_g's Avatar
annie_g annie_g is offline
 
Joined: Dec 2007
Posts: 3,844
Senior Member

annie_g
 
annie_g's Avatar
 
Joined: Dec 2007
Posts: 3,844
Senior Member

Old 09-09-2017, 07:53 PM
 
Clip to ScrapBook #9

I was able to place a credit freeze with all 3 agencies for myself and with 2 of them for my husband. For some reason, TransUnion wouldn't complete my husband's. We tried calling but the automated system wouldn't do it either, so we have to call Monday and try to talk to a real person. I have never heard of Innovis, so I will freeze that one tomorrow. Thanks for the great info on this. I already have credit monitoring, but the credit freezes make me feel a little better about this situation.
annie_g is offline   Reply With Quote
c6g c6g is offline
 
Joined: Jan 2017
Posts: 90
Full Member

c6g
 
Joined: Jan 2017
Posts: 90
Full Member

Old 09-10-2017, 07:51 AM
 
Clip to ScrapBook #10

Everybody seems to be having different experiences with these agencies.

My wife and I were able to take care of Equifax and Innovis easily online. When I tried Experian online, I made it most of the way through, but then received one of those "unable to process messages." I've read many reports of people having difficulty with TransUnion online, so I didn't even try. I ended up doing Experian and TransUnion through their automated phone systems, and had no issues.

Congress needs to take action ASAP to impose some very strict regulations on these companies.


c6g is offline   Reply With Quote
annie_g's Avatar
annie_g annie_g is offline
 
Joined: Dec 2007
Posts: 3,844
Senior Member

annie_g
 
annie_g's Avatar
 
Joined: Dec 2007
Posts: 3,844
Senior Member

Old 09-10-2017, 08:33 AM
 
Clip to ScrapBook #11

I also think it stinks that Equifax is still charging a fee to freeze your credit in light of this data breach. That is something they could waive that would help people. Also, their website required the least amount of information to put the freeze in place which is somewhat concerning also. Transunion seemed the most secure because they make you set up an account.
annie_g is offline   Reply With Quote
annie_g's Avatar
annie_g annie_g is offline
 
Joined: Dec 2007
Posts: 3,844
Senior Member

annie_g
 
annie_g's Avatar
 
Joined: Dec 2007
Posts: 3,844
Senior Member

Old 09-11-2017, 06:59 AM
 
Clip to ScrapBook #12

Just as a follow up, I was able to do the Transunion freeze for my husband today. I guess maybe their website was overloaded over the weekend.
annie_g is offline   Reply With Quote
grav_def's Avatar
grav_def grav_def is offline
 
Joined: Jan 2009
Posts: 6,777
Senior Member

grav_def
 
grav_def's Avatar
 
Joined: Jan 2009
Posts: 6,777
Senior Member

Old 09-11-2017, 07:03 AM
 
Clip to ScrapBook #13

Thanks for the update! I guess I should try again.
grav_def is offline   Reply With Quote
CJS87's Avatar
CJS87 CJS87 is offline
 
Joined: Aug 2006
Posts: 408
Senior Member

CJS87
 
CJS87's Avatar
 
Joined: Aug 2006
Posts: 408
Senior Member
what is innovis?
Old 09-11-2017, 08:59 AM
 
Clip to ScrapBook #14

What is innovis? Is everyone putting a freeze on?
CJS87 is offline   Reply With Quote
Hideeho's Avatar
Hideeho Hideeho is offline
 
Joined: Sep 2008
Posts: 8,405
Blog Entries: 7
Senior Member

Hideeho
 
Hideeho's Avatar
 
Joined: Sep 2008
Posts: 8,405
Senior Member

Old 09-11-2017, 07:48 PM
 
Clip to ScrapBook #15

I just tried to use this, but my security on my computer blocked it saying "threat has been detected".

What am I supposed to do now?!
Hideeho is offline   Reply With Quote
ZipLine's Avatar
ZipLine ZipLine is offline
 
Joined: May 2009
Posts: 4,537
Senior Member

ZipLine
 
ZipLine's Avatar
 
Joined: May 2009
Posts: 4,537
Senior Member

Old 09-12-2017, 08:27 AM
 
Clip to ScrapBook #16

I was able to put a freeze on through Innovis and Experian. TransUnion took me all the way through the credit card process and when processing stated there were technical difficulties so to check back later. The website went to "temporarily unavailable" and "check back later."

Hideeho- what happened with your problem? Did you run a virus check? What website did you access that gave you that message?

Last edited by ZipLine; 09-12-2017 at 11:10 AM..
ZipLine is offline   Reply With Quote
Renea's Avatar
Renea Renea is offline
 
Joined: Jan 2006
Posts: 9,516
Senior Member

Renea
 
Renea's Avatar
 
Joined: Jan 2006
Posts: 9,516
Senior Member

Old 09-12-2017, 01:13 PM
 
Clip to ScrapBook #17

We have our credit frozen through Equifax. Do we need to freeze our credit through all of the credit monitoring sights?
Renea is offline   Reply With Quote
annie_g's Avatar
annie_g annie_g is offline
 
Joined: Dec 2007
Posts: 3,844
Senior Member

annie_g
 
annie_g's Avatar
 
Joined: Dec 2007
Posts: 3,844
Senior Member

Old 09-12-2017, 03:08 PM
 
Clip to ScrapBook #18

Renea - you should freeze your credit through all 3 major sites. I haven't done the Innovis yet, but I'm going to.
annie_g is offline   Reply With Quote
Renea's Avatar
Renea Renea is offline
 
Joined: Jan 2006
Posts: 9,516
Senior Member

Renea
 
Renea's Avatar
 
Joined: Jan 2006
Posts: 9,516
Senior Member
annie_g
Old 09-12-2017, 06:23 PM
 
Clip to ScrapBook #19

annie_g, thank you for your reply. We spent 90 minutes on the phone with Equifax trying to add my name to our family plan. It had not been added due to a small change in the spelling of my name.

Looks like we'll have to spend some time of the phone tomorrow as well.

Darn hackers.
Renea is offline   Reply With Quote
nylouie nylouie is offline
 
Joined: Aug 2008
Posts: 4
New Member

nylouie
 
Joined: Aug 2008
Posts: 4
New Member
not sure
Old 09-14-2017, 07:08 AM
 
Clip to ScrapBook #20

I receive a weekly newsletter and podcast from Jean Chatzky, a financial expert who is sometimes on the Today Show. In her email she first stated just what you said and then she sent a 2nd newsletter with updates on what she learned and it seems that if you freeze your accounts at least with Experian, you do not give up the right to sue at some point or be part of a class action suit.

Her newsletters are always informative and her podcasts are usually geared towards women but great info for all. "Her"money!
PS I tried to link here but could not.
nylouie is offline   Reply With Quote

Join the conversation! Post as a guest or become a member today. New members welcome!

Reply

 

>
Teacher News & Opinion
Thread Tools




Sign Up Now

Sign Up FREE | ProTeacher Help | BusyBoard

All times are GMT -8. The time now is 11:28 PM.

Copyright © 2017 ProTeacher®
For individual use only. Do not copy, reproduce or transmit.
source: www.proteacher.net