1. We have added the ability to collapse/expand forum categories and widgets on forum home.
    Dismiss Notice
  2. Photobucket has changed its policy concerning hotlinking images and now requires an account with a $399.00 annual fee to allow hotlink. More information is available at: this link.
    Dismiss Notice
  3. All Civ avatars are brought back and available for selection in the Avatar Gallery! There are 945 avatars total.
    Dismiss Notice
  4. To make the site more secure, we have installed SSL certificates and enabled HTTPS for both the main site and forums.
    Dismiss Notice
  5. Civ6 is released! Order now! (Amazon US | Amazon UK | Amazon CA | Amazon DE | Amazon FR)
    Dismiss Notice
  6. Dismiss Notice
  7. Forum account upgrades are available for ad-free browsing.
    Dismiss Notice

Equifax hacked, 140+ million Americans' info stolen

Discussion in 'Off-Topic' started by civvver, Sep 8, 2017.

  1. civvver

    civvver Chieftain

    Joined:
    Apr 24, 2007
    Messages:
    3,474
    https://www.nytimes.com/2017/09/07/business/equifax-cyberattack.html?mcubz=1

    I'm speechless quite frankly. Just can't believe how a company with no opt out (if applying for a loan or credit) for storing your information can allow this to happen.

    I'm not usually paranoid about these things like when target got hacked etc, cus it's usually limited to address and credit card numbers. Disputing charges on credit cards is super easy both to monitor and to resolve. Monitoring your credit is not easy. I'm on one credit report site but they only show you two reports and pull monthly. Monthly is lots of time to do lots of damage.

    Also concerned they might be able to access your bank account with this info. Most banks use a simple two factor authentication, so if you have a cell phone and it's the phone number in equifax, the hackers just have to spoof your phone or steal your number to gain access. I might remove my phone number and setup an email only for my bank. That might be the best course. Email is probably much easier to hack than a phone but a new email account only for bank would be unknown to the hackers.

    I guess the only solace is knowing it's a huge number of people who are affected and hackers don't have time to steal everyone's identity so it's a numbers game. Probably ok in the meantime.
     
  2. Zelig

    Zelig Beep Boop

    Joined:
    Jul 8, 2002
    Messages:
    15,185
    Location:
    Canada
  3. Kyriakos

    Kyriakos Alien spiral maker

    Joined:
    Oct 15, 2003
    Messages:
    45,330
    Location:
    Thessalonike, Greece
    Mr Robot is real. :mischief:
     
  4. Owen Glyndwr

    Owen Glyndwr La Femme Moderne

    Joined:
    Jun 9, 2008
    Messages:
    14,043
    Location:
    Chicago, IL
  5. civvver

    civvver Chieftain

    Joined:
    Apr 24, 2007
    Messages:
    3,474
    Well most banks still do. Mine will email or text a code when logging on from a new ip.
     
  6. Zelig

    Zelig Beep Boop

    Joined:
    Jul 8, 2002
    Messages:
    15,185
    Location:
    Canada
    An app like Google Authenticator or Authy, or a disconnected token generator like an RSA SecurID token.
     
  7. civvver

    civvver Chieftain

    Joined:
    Apr 24, 2007
    Messages:
    3,474
    So what do you think we should do zelig? Put a credit freeze and change the two factor auth on our bank accounts?

    I'm a little skeptical about doing a credit freeze cus couldn't the identity thieves just unfreeze it if they have all your info?

    Also do you think the public is overreacting or under reacting? What do you think the chances are of having your identity stolen as a result of this? Certainly it's a ton higher but 1 person out of 143 million is still not that likely of being sold and actually used to open accounts?
     
  8. Zelig

    Zelig Beep Boop

    Joined:
    Jul 8, 2002
    Messages:
    15,185
    Location:
    Canada
  9. civvver

    civvver Chieftain

    Joined:
    Apr 24, 2007
    Messages:
    3,474
    Yeah right, if the settlement is like 200 million lawyers will get 20 or so and average consumer will get like $2 after filling out a bunch of arduous paperwork. Class action suits are good for making companies think twice, and good for lining lawyers' pockets, but not that good at giving the class action patrons actual damages.

    And anyway I wasn't suggesting signing up for the equifax offer, though I did enter my number to see if I was affected, but I didn't proceed any further. I would rather sign up for my own independent service.
     
  10. Vincour

    Vincour Moderator Moderator

    Joined:
    Nov 19, 2006
    Messages:
    10,291
    A 200 million settlement seems too low given the size and reach of Equifax. But you are right that the actual financial reward to the victim would be very little... the idea here is to force the company into being better. A (successful) class action lawsuit bears a lot of publicity and a lot of pressure.
     
  11. Perfection

    Perfection The Great Head.

    Joined:
    Apr 9, 2002
    Messages:
    49,076
    Location:
    Salisbury Plain
    Does this mean we can see Trumps credit report?
     
    caketastydelish likes this.
  12. Zelig

    Zelig Beep Boop

    Joined:
    Jul 8, 2002
    Messages:
    15,185
    Location:
    Canada
    Perfection likes this.
  13. civvver

    civvver Chieftain

    Joined:
    Apr 24, 2007
    Messages:
    3,474
    Yes I saw that too, it's a total joke. I'm not sure I'm going to even bother freezing with equifax until that mess is fixed.
     
  14. hobbsyoyo

    hobbsyoyo https://thespacecadetblog.com/

    Joined:
    Jul 13, 2012
    Messages:
    12,685
    Gender:
    Male
    Location:
    the Pale Blue Dot
    I cannot understand why the majority of people are completely ok with companies having virtually unlimited ability to collect, store, sell and have stolen so much personal data yet will freak out for anything the government does that can be in any way be construed as a privacy issue. The very idea of national ID cards gets people in the US up in arms but they're totes mgotes cool with every software service ever forcing them to give up their privacy as part of the ToS.
     
  15. rah

    rah Chieftain

    Joined:
    Sep 12, 2005
    Messages:
    2,521
    Location:
    Chicago
    I went to their site and was happy to discover that I was not one who's information was hacked.
    But it was ironic that I had to give them some personal information for them to be able to tell me that :D
     
  16. Zelig

    Zelig Beep Boop

    Joined:
    Jul 8, 2002
    Messages:
    15,185
    Location:
    Canada
    I don't read terms of service, and assume that most of them aren't actually valid - if any problems come up I'll just sue them in local small claims.

    (Not that you shouldn't also prioritize products and services from companies who care about your privacy.)
     
  17. civvver

    civvver Chieftain

    Joined:
    Apr 24, 2007
    Messages:
    3,474
    It's just we don't have a choice in this matter. Many people do try to protect their data when they have the option, but if you want any kind of loan these credit companies have your info. I get some people say use all cash, no credit cards, buy cars with cash etc, but very few can actually buy a home with cash so it's just not realistic. Plus even phone and cable companies these days do credit checks on you or require huge security deposits.

    It's the politicians and regulators letting these guys get away with it that's the issue.

    Hopefully what we'll see is enormous fines against equifax and new standards for security which are enforced.
     
  18. Zelig

    Zelig Beep Boop

    Joined:
    Jul 8, 2002
    Messages:
    15,185
    Location:
    Canada
    Well I don't like real estate an an asset class, and was fortunate that I didn't need loans for schooling, so I don't foresee ever needing a loan.
     
  19. Broken_Erika

    Broken_Erika Neurotic Panda

    Joined:
    Dec 12, 2004
    Messages:
    1,593
    Location:
    Glasgnopolis, Grottland
    I'm confident Equifax will respond to this by upgrading to Norton Internet Security 2010.
     
  20. civvver

    civvver Chieftain

    Joined:
    Apr 24, 2007
    Messages:
    3,474
    Good for you. Millions of other people prefer to buy homes rather than rent anything.
     

Share This Page