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If u filed for comp in the , u prolly got an email today asking u to verify that I had credit monitoring or…
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5 weeks ago by akalin
How Fighting Data Breaches Has Changed - Consumer Reports
The Capital One and Equifax hacks highlight the need for different consumer strategies
As more companies report the theft of customer data, the chances that your personal information will be stolen or fall into the wrong hands grow every day.
As a result, consumers need to change the way they protect themselves and how they respond to data breaches.
Early this week, Capital One announced a massive data breach affecting more than 100 million consumers, and reports suggest that the hacker may have more data from other companies.
The Federal Trade Commission, for its part, announced that so many consumers had signed up for reimbursement from the settlement from Equifax's 2017 data breach that consumers are likely to get far less than the $125 that had initially been promised. (Read on for advice about how to maximize your reimbursement.)
As data breaches have increased, so has the need for consumers to employ new strategies. Though it's still smart to check your bank statements and use credit monitoring for some peace of mind, experts advise using new ways to protect your personal data and get maximum restitution if you're the victim of a data breach.
Here are three smart strategies for fighting back against data breaches.
breach  data  equifax  identity_theft  privacy  security  banking  capital_one  credit_cards  hack  credit_freeze  consumer  report 
9 weeks ago by rgl7194
The Equifax Settlement Is a Cruel Joke - VICE
Experts say the FTC dramatically underestimated the public’s anger over repeated privacy violations.
equifax  equifail  corruption  corporate.indemnity  crime  ftc  fail 
9 weeks ago by po
The FTC Should Fine Itself for False Advertising for Promising You $125 From Equifax - VICE
Consumer groups say the FTC engaged in the same false and deceptive behavior it’s supposed to police.
ftc  equifail  equifax  government  fail  corporate.crime  graft  crime  identity.theft  corporate.indemnity 
9 weeks ago by po
Security freezes
A security freeze is one step you can take to help prevent access to your Equifax credit report to open new credit accounts, with certain exceptions.

Placing, temporarily lifting, and permanently removing a security freeze on your Equifax credit report are free.

A security freeze should be temporarily lifted or permanently removed each time you apply for new credit.

To temporarily lift or permanently remove the security freeze on your Equifax credit report, you can:

Sign in to your account on;
Call us at (800) 685-1111;
Or contact us by mail:

Equifax Information Services LLC
P.O. Box 105788
Atlanta, Georgia 30348

To freeze your other credit reports, you will need to contact Experian ( and TransUnion (
equifax  security  freeze 
9 weeks ago by neerajsinghvns
Don't Fall for Equifax Settlement Scams - Identity Theft Resource Center
What It Is
Scammers are looking to cash in on the buzz surrounding the Equifax data breach, specifically the ability for consumers to check their data and file a claim if they were affected.
Who It Is Targeting
Any consumers who may have had their information stolen in the Equifax breach could be at risk of an Equifax settlement scam, but scammers may also seek out people who were not affected in order to sell them protection products.
What You Need To Know
Equifax is one of the three major credit reporting agencies, and they were breached in 2018. More than 147 million consumers had their complete identities stolen by hackers. Now, Equifax has launched its settlement website where you can find out if your information was stolen, file a claim for compensation and apply for credit monitoring. Equifax settlement scammers are capitalizing on the buzz surrounding this new website and have already targeted victims.
What You Should Do About It
Make sure you are only using legitimate websites for this process, namely the FTC’s site and
You do not have to pay anything to file a claim, look into your data, receive credit monitoring services or otherwise participate in this settlement.
Never verify your information for someone who contacts you and offers to find out if you have been affected.
Never hand over your Social Security number to someone who contacts you in any way.
credit_freeze  credit_report  equifax  identity_theft  legal  privacy  security  scam  SSN 
10 weeks ago by rgl7194
Equifax to pay $575M for data breach, promises to protect data next time | Ars Technica
The company promises free credit monitoring and not to screw up with security.
Equifax, the Federal Trade Commission, and other state and federal regulators have agreed on what Equifax owes in penalties, nearly two years after the company's massive breach of sensitive consumer information became public.
The company will pay at least $575 million, according to the terms of a settlement the FTC announced today. At least $300 million goes into a fund to pay for credit monitoring services for "affected customers," which includes more than 40% of the entire US population. That fund can get boosted by another $125 million if the initial $300 million isn't enough to compensate all consumers who make claims.
Equifax will pay another $175 million in fines to be split up among the 50 attorneys general who filed suit, representing 48 states, Washington DC, and Puerto Rico, and $100 million in penalties to the Consumer Financial Protection Bureau.
The company will not pay any penalties to the FTC itself, because the commission does not have the authority to fine companies for violations of the FTC Act or the Safeguards Rule, which requires financial institutions to take special care with consumer data.
credit_freeze  credit_report  equifax  identity_theft  legal  privacy  security 
10 weeks ago by rgl7194
What You Should Know About the Equifax Data Breach Settlement — Krebs on Security
Big-three credit bureau Equifax has reportedly agreed to pay at least $650 million to settle lawsuits stemming from a 2017 breach that let intruders steal personal and financial data on roughly 148 million Americans. Here’s a brief primer that attempts to break down what this settlement means for you, and what it says about the value of your identity.
Q: What happened?
A: If the terms of the settlement are approved by a court, the Federal Trade Commission says Equifax will be required to spend up to $425 million helping consumers who can demonstrate they were financially harmed by the breach. The company also will provide up to 10 years of free credit monitoring to those who had their data exposed.
credit_freeze  credit_report  equifax  identity_theft  legal  privacy  security  q&a  krebs 
10 weeks ago by rgl7194
Equifax to Pay up to $700 Million in 2017 Data Breach Settlement
Equifax, one of the three largest credit-reporting firms in the United States, has to pay up to $700 million in fines to settle a series of state and federal investigations into the massive 2017 data breach that exposed the personal and financial data of nearly 150 million Americans—that's almost half the country.
According to an official announcement by the U.S. Federal Trade Commission (FTC) today, Equifax has agreed to pay at least $575 million in fines, but this penalty could rise to up to $700 million depending on the amount of compensation people claim.
Up to $425 million of the fines will go to a fund that will provide credit monitoring services to affected customers and compensate anyone who bought such services from the company and paid other related expenses as a result of the breach.
credit_freeze  credit_report  equifax  identity_theft  legal  privacy  security 
10 weeks ago by rgl7194

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