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Approximately 143 million in the U.S/Canada affected by breach into Equifax

FordGT90Concept

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#26
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#27
They don't. It's also a state differentiated insurance market IIRC, meaning per state databases.
Yeah okay believe what you want. I worked several projects on the AHC and when an end user goes to create an account its really more akin to activating the account. I feel very comfortable disagreeing with you. The projects I worked were not just in NY.;) Every states is pretty similar and that's based on Federal regulations.

Edit: I get 9 weeks vacation a year and I did (Contract work) on four different States AHC during 2 years About 4 weeks in each of the States , 3 were State run a one was Federal and there is next to no difference.
 
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#28
Yeah okay believe what you want. I worked several projects on the AHC and when an end user goes to create an account its really more akin to activating the account. I feel very comfortable disagreeing with you. The projects I worked were not just in NY.;) Every states is pretty similar and that's based on Federal regulations.

Edit: I get 9 weeks vacation a year and I did (Contract work) on four different States AHC during 2 years About 4 weeks in each of the States , 3 were State run a one was Federal and there is next to no difference.
I'm really not willing to continue this very political line of discussion.
 
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#29
They don't. It's also a state differentiated insurance market IIRC, meaning per state databases.
I'm really not willing to continue this very political line of discussion.
Nothing political about it and the market end of it has nothing to do with anything.;)
 
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#30
As someone who has yet to get a credit card (due to US age restrictions), where would I want to look to get one? Seems like I choose the wrong place and then, BAM! My Identity Is stolen. I don't want my identity stolen :(

Was this credit place some kind of bank or credit union thing? Also, what on earth are they doing about it and why the hell did they wait so long to tell people?
 
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#31
Nothing political about it and the market end of it has nothing to do with anything.;)
Fair enough. Perhaps social media has me paranoid.
 

dorsetknob

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#32
Was this credit place some kind of bank or credit union thing?
Information amalgamation and clearing business
Supposed to be Secure except to those they sell the info too
The information being Customer Details and Credit Rating as established by themselves and others
 
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#33
Information amalgamation and clearing business
Supposed to be Secure except to those they sell the info too
The information being Customer Details and Credit Rating as established by themselves and others
Well put....you been on the study of your friends across the pond?
 

dorsetknob

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#34
Well put....you been on the study of your friends across the pond?
they tend to be multinational
USA acquires info on credit Ratings and worthiness from all over the world ( often from Subsiderys ) we got those B**T**ds here as well.

ps no she turned her cam offo_O:p
 
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#35
Was this credit place some kind of bank or credit union thing?
Neither of those, say you want to buy a car but don't have enough so while at the dealership you find a car, and contact the sales minion about purchasing car. They check for you about securing a loan with any local or out of state credit union/banks but in order to do such they also contact the three credit reporting agencies to find out your credit score which has an effect on you procuring said loan.

It's one of three big names involved in the breach. There's also Transunion - http://www.transunion.com/, and Experian - https://www.experian.com/

Don't be late on paying your any of your bills say from smartphone carrier or else it will be reported as a negative towards your credit score same for a loan from major bank.
 
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#36
Neither of those, say you want to buy a car but don't have enough so while at the dealership you find a car, and contact the sales minion about purchasing car. They check for you about securing a loan with any local or out of state credit union/banks but in order to do such they also contact the three credit reporting agencies to find out your credit score which has an effect on you procuring said loan.

It's one of three big names involved in the breach. There's also Transunion - http://www.transunion.com/, and Experian - https://www.experian.com/

Don't be late on paying your any of your bills say from smartphone carrier or else it will be reported as a negative towards your credit score same for a loan from major bank.
Thanks for the explanation. Idk why these people have all this information like that so unsecured. Not to mention it seems quite criminal they waited so long to report on it
 
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#37
As for credit, I needed a new car and a reliable car was only going to be had with a loan because most of us don't have the financial backing to buy something that's 20k outright.
How about that, it wasn't just me that needed the loan for transportation to and from work the main purpose of said debt.
 

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#38
How about that, it wasn't just me that needed the loan for transportation to and from work the main purpose of said debt.
I have a credit card but, I always keep the balance low and pay it off every month. However, my car gets me to my job that pays me money. My one other set of loans are for my degree in computer science which also enables me to earn more money. Those who are smart about it look at it as what kind of return do you get on your investment and if it's worth the total cost of having said loan.
 
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#39
What did I win?!

upload_2017-9-8_15-50-50.png
 
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#40
Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017. The company has found no evidence of unauthorized activity on Equifax’s core consumer or commercial credit reporting databases.

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. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain UK and Canadian residents. Equifax will work with UK and Canadian regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted.

Equifax discovered the unauthorized access on July 29 of this year and acted immediately to stop the intrusion.

https://www.equifaxsecurity2017.com/

Turns out I'm one of the compromised.
Apparently you need to be careful finding out if you're affected because the terms you sign to find out included signing away your right to sue them.
 
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#41
Apparently you need to be careful finding out if you're affected because the terms you sign to find out included signing away your right to sue them.
Update (3:40p ET, 9/8): While New York Attorney General Eric Schneiderman said the forced arbitration terms of service are "unenforceable" and should be removed, Equifax has added language to its "FAQs for Consumers" that the arbitration clause in the "Terms of Use" does not apply to "the cybersecurity incident."

https://arstechnica.com/tech-policy...im-you-must-give-up-right-to-sue-to-find-out/
 

Frick

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#42
As for credit, I needed a new car and a reliable car was only going to be had with a loan because most of us don't have the financial backing to buy something that's 20k outright.
Ideally I'd go to the bank first in that situation.

But car dealers are the literal scum of the earth and they have deep relationships with various entities giving loans so they make less money if you pay the car in cash, therefore it is very hard buying a new car in cash now. At least at a fair price, which in itself is a byzanthian nightmare of a concept.
 
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FordGT90Concept

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#43
As someone who has yet to get a credit card (due to US age restrictions), where would I want to look to get one? Seems like I choose the wrong place and then, BAM! My Identity Is stolen. I don't want my identity stolen :(
You'll get offers in the mail when you're eligible and they really never stop coming. That said, it's like everything else: you have to shop around to find the card that's the best deal for you (interest rate versus reward programs) and also secure (I've had no security problems with Chase). I think the error most people make is they open too many credit accounts (lots of stores give you a discount if you apply for their card and use it at their store). It's important to prevent that by choosing a good one then sticking to it.
 
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#44
which is that you are not too smart.
So if you do not want kids or credit, you are "not too smart?"

Ah, nvm. It's Frick.
 
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#45
Seems like a credit card can be good in case of emergencies, like a small instant loan. That said it's a loan and you always have to pay the balance off immediately/asap.
 

FordGT90Concept

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#46
Recommended, yes, because credit cards usually have a >10% interest rate after the grace period. It's a line of credit which basically means a bank has authorized you to spend up to that amount of their money on the condition you repay it. It's more like a perpetual, fluid loan that doesn't end when the balance is zero.

Most traditional loans (automotive, house, education, etc.) have an interest rate below 10%.

Back on topic: the credit rating agencies are informed of and keep record of all credit offered to you. That includes loans and cards.
 

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#47
Likes: R-T-B

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Storage Sandisk SDSSDXP 240GB SSD, Sandisk Extreme Pro 480GB SSD, Samsung 960 Pro M.2 NVMe 1TB
Display(s) Samsung UE510 UHD 28"
Case Coolermaster MasterCase H500P
Audio Device(s) Onboard
Power Supply Seasonic Prime Ultra 1K Watt
Mouse EpicGear Zora
Keyboard CM Quickfire Xti
Software Win10 Pro 64
Benchmark Scores Xbox Live Gamertag=jondonken
#48
Thread cleansed......Please stay within the scope of the topic.
 
Joined
Sep 7, 2017
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System Name Blackbox
Processor i7-7820x
Motherboard Supermicro C9X299-PG300
Cooling Corsair H100i
Memory Corsair Vengeance LPX 16GB 2666..tentatively
Video Card(s) Powercolor RX Vega 64
Storage Intel 900p/Seagate Barracuda Pro 10TB+32GB Optane Memory
Display(s) Viewsonic VX2457-MHD + Samsung 4KTV/Freesync
Case Corsair C70
Audio Device(s) Onboard/Realtek
Power Supply Corsair AX860i
Software Win 10 Pro
#50
Dude... that's a huge chunk of the population.

Not sure why I missed this number before.
 
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