Equifax

Tag Archives for Equifax.

How to Survive the Equifax Hack

Equifax was hacked and the world changed.  The old advice about protecting your personal information now seems quaint.  The prudent thing to do today is to assume it’s out there.  Regardless of whether Equifax’s broken security tool says that your data was compromised, it is now prudent to assume that it was.  Heck, even if Equifax could somehow prove that your data was not taken in this latest data breach, it makes sense to assume…

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How the Equifax Hack scared me into installing Google Search and may have saved me $55

This story involves an aging dog, the Google Search app, a Citibank credit card perk I’ve never before used, and the infamous Equifax Hack (for the latter, see: Is the Equifax cure worse than the hack?). While doing research for my “Equifax Hack Rx” series, I learned how insecure SMS is for two factor authentication, and that led me to change security on my Gmail account.  Did I lose you there?  Let me back up… …

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Equifax Hack Rx: Free credit monitoring

Did you know that you can get credit monitoring for free? Unlike Equifax’s limited one-year free option, multiple services offer free credit monitoring without an expiration date. Equifax Hack Rx… Background We’re all pissed off by Equifax’s failure to protect our personal information. A natural reaction is to demand justice and compensation. Justice will take time, but a criminal investigation is under way. And compensation may come via a class action lawsuit or, better yet, many…

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Equifax Hack Rx: Free Identity Theft Insurance

Identity Theft Insurance

Did you know that you can get identity theft insurance for free?  Unlike Equifax’s one-year free option, multiple services offer free insurance without an expiration date… Equifax Hack Rx Background We’re all pissed off by Equifax’s failure to protect our personal information.  A natural reaction is to demand justice and compensation.  Justice will take time, but a criminal investigation is under way.  And compensation may come via a class action lawsuit or, better yet, many…

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Is the Equifax cure worse than the hack? Here’s what I plan to do…

Ouch.  Equifax failed to properly secure private data concerning 143 million US consumers.  Hackers may have gotten our names, Social Security numbers, birth dates, addresses and driver’s license numbers.  That’s pretty much everything they need to pull off identity theft at a scale never before seen.  Oh, and they may have gotten credit card numbers for 209,000 people too. Plenty has been written about how poorly Equifax has handled this situation, so I won’t elaborate…

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Equifax data breach: Find out if you’re affected and get protected

Equifax data breach

Equifax today announced a “cybersecurity incident”.  In other words, they were hacked, and about 143 million US consumers are potentially affected. Equifax says that the information accessed “primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed.” UPDATE: Before proceeding with the Equifax solution shown…

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Monitor credit inquiries for free from all three bureaus

Monitor credit inquiries

There are many credit monitoring services that, for a fee, will alert you when an inquiry is made to your credit report.  But, what if you want to monitor credit inquiries for free? If you regularly sign up for credit cards in order to earn bonuses, it’s a great idea to keep track of the number of inquiries you have with each of the three credit bureaus, along with specifics: for each application, which credit…

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A case study of a 470,000 point application spree

In mid August, my wife applied for 8 credit cards across three banks.  After a few phone calls, all 8 cards were approved.  You can read the full details here and here.  Currently, we’re still working on the minimum spend requirements for some of these cards, but in the end we expect to earn a total of 470,000 points and miles.  In the prior posts I added plenty of warnings and caveats.  If you’re thinking…

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