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Think You’ve Got Your Credit Freezes Covered? Think Again. — Krebs on Security
I spent a few days last week speaking at and attending a conference on responding to identity theft. The forum was held in Florida, one of the major epicenters for identity fraud complaints in United States. One gripe I heard from several presenters was that identity thieves increasingly are finding ways to open new mobile phone accounts in the names of people who have already frozen their credit files with the big-three credit bureaus. Here’s a look at what may be going on, and how you can protect yourself.
Carrie Kerskie is director of the Identity Fraud Institute at Hodges University in Naples. A big part of her job is helping local residents respond to identity theft and fraud complaints. Kerskie said she’s had multiple victims in her area recently complain of having cell phone accounts opened in their names even though they had already frozen their credit files at the big three credit bureaus — Equifax, Experian and Trans Union (as well as distant fourth bureau Innovis).
credit_freeze  credit_report  equifax  identity_theft  privacy  security 
2 days ago by rgl7194
Think You’ve Got Your Credit Freezes Covered? Think Again. — Krebs on Security
The freeze process is designed so that a creditor should not be able to see your credit file unless you unfreeze the account. A credit freeze blocks potential creditors from being able to view or “pull” your credit file, making it far more difficult for identity thieves to apply for new lines of credit in your name.

Who are the NCTUE’s members? If you call the 800-number that NCTUE makes available to get a free copy of your NCTUE credit report, the option for “more information” about the organization says there are four “exchanges” that feed into the NCTUE’s system: the NCTUE itself; something called “Centralized Credit Check Systems“; the New York Data Exchange; and the California Utility Exchange.

Who are the NCTUE’s members? If you call the 800-number that NCTUE makes available to get a free copy of your NCTUE credit report, the option for “more information” about the organization says there are four “exchanges” that feed into the NCTUE’s system: the NCTUE itself; something called “Centralized Credit Check Systems“; the New York Data Exchange; and the California Utility Exchange.
credit  finance  cybersecurity  krebsonsecurity  cellphone  equifax  advice 
4 weeks ago by bwiese
Equifax reveals full horror of that monstrous cyber-heist of its servers • The Register
As well as the – take a breath – 146.6 million names, 146.6 million dates of birth, 145.5 million social security numbers, 99 million address information and 209,000 payment cards (number and expiry date) exposed, the company said there were also 38,000 American drivers' licenses and 3,200 passport details lifted, too.
dataleak  equifax 
6 weeks ago by yorksranter
How to Opt Out of Equifax Revealing Your Salary History — Krebs on Security
Equifax took down their salary portal — a service from the company’s Workforce Solutions division known as The Work Number (formerly “TALX“) — just a few hours after my story went live on Oct. 8. The company explained that the site was being disabled for routine maintenance, but Equifax didn’t fully reopen the portal until Nov. 2, following the addition of unspecified “security improvements.”
equifax  privacy  cybersecurity  security  todo  salary  credit  krebsonsecurity 
9 weeks ago by bwiese
Panera Bread leaked customer data right on its website for months despite warnings — Quartz
>
Houlihan wrote that Gustavison, the information security director at Panera he corresponded with in August, was senior director of security operations at Equifax from 2009 to 2013. His departure from Equifax came before the credit agency’s breach, “but after all of the foregoing, does this seem quite so surprising?” Houlihan wrote.

What a, uhm, surprise...
breach  security  infosec  fail  corporate  business  krebs  equifax 
11 weeks ago by po
Survey: Americans Spent $1.4B on Credit Freeze Fees in Wake of Equifax Breach — Krebs on Security
Almost 20 percent of Americans froze their credit file with one or more of the big three credit bureaus in the wake of last year’s data breach at Equifax, costing consumers an estimated $1.4 billion, according to a new study. The findings come as lawmakers in Congress are debating legislation that would make credit freezes free in every state.
The figures, commissioned by small business loan provider Fundera and conducted by Wakefield Research, surveyed some 1,000 adults in the U.S. Respondents were asked to self-report how much they spent on the freezes; 32 percent said the freezes cost them $10 or less, but 38 percent said the total cost was $30 or more. The average cost to consumers who froze their credit after the Equifax breach was $23.
A credit freeze blocks potential creditors from being able to view or “pull” your credit file, making it far more difficult for identity thieves to apply for new lines of credit in your name.
equifax  breach  credit_report  data  hack  identity_theft  krebs  privacy  security  credit_freeze 
12 weeks ago by rgl7194

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