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  #51  
Old 09-14-2017, 03:25 PM
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I am not going to pay to 'freeze' my accounts.

I am not liable if someone steals my identification and opens up a fraudulent account. I am not liable if someone steals my credit card number and uses it. I am not liable if someone files a fraudulent tax refund with my SS# (I have never received a refund, anyway).

*The guys that sold stock sure better have solid proof that they sold without knowledge, or they will go to jail (it's a felony).*
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  #52  
Old 09-15-2017, 12:11 PM
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Originally Posted by GA 1911 View Post
I am not going to pay to 'freeze' my accounts.

I am not liable if someone steals my identification and opens up a fraudulent account. I am not liable if someone steals my credit card number and uses it. I am not liable if someone files a fraudulent tax refund with my SS# (I have never received a refund, anyway).

*The guys that sold stock sure better have solid proof that they sold without knowledge, or they will go to jail (it's a felony).*
I don't disagree, but having said that, who will bail you out when your FICO score goes from 800 to 200 overnight?
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  #53  
Old 09-15-2017, 12:56 PM
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Count me as another probable hack victim. Oh well, I'm doing all I can to protect myself, fingers crossed.
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  #54  
Old 09-15-2017, 02:23 PM
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I don't disagree, but having said that, who will bail you out when your FICO score goes from 800 to 200 overnight?
They don't penalize your credit score when you are attacked by fraud.

Equifax stock has moved from $147 to $91. I am sure many people will not be willing to use scores from them for a long time. It's a major blunder by management. I read reports today that the Chief Security Officer was a music major.

The HDQ's is located on Peachtree St. in Atlanta. I know several people that work there. I would think the CEO will be fired soon.
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Old 09-15-2017, 02:46 PM
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I know this is popular, but for people in the real world, this is a bad idea . . .
Couldn't have said it better myself.

This freeze gives many a false sense of security. Next time you WANT credit allow 3 days for the un-freeze to happen, then re-freeze it after you're done.

Some even argue that your credit score will go down during the freeze as nothing is being reported.
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  #56  
Old 09-15-2017, 03:39 PM
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...Next time you WANT credit allow 3 days for the un-freeze to happen, then re-freeze it after you're done....
I think the old rules are going to evolve into a different policy. According the the Federal Reserve, current household debt is almost $13T (it just went above the 3rd Quarter of 2008).

There are millions of jobs in the business of loaning money. They will come to a different lending plan. The Equifax Hack was around 150 million people (the population is 325 million, including children).

I am sure nothing will change for a guy with a previous good credit history.

I am still worried that debt (household and government) is too high. That is the big problem, IMHO.
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Old 09-15-2017, 05:05 PM
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I always have had a high credit rating, but I don't really need it as I have always avoided credit whenever possible, except for credit cards (mainly for convenience). I doubt the hack can affect me, but I still re-up my fraud alert and check my statements. I believe Equifax will pay a very high price for the lapse in their security and their poor response. It should be fun to watch.
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