Search found 46 matches: innovis

Searched query: innovis

by zaplunken
Tue Oct 03, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Yesterday I got the info from Innovis and ChexSystems, almost 3 weeks so they are getting it out just swamped.
by 2pedals
Tue Sep 26, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Okay, I was just thinking...why Krebs would say place an alert for ChexSystem rather than a freeze like he says to do for the big three and Innovis? He specifically says to place an ChexSystems alert to notify to keep eye out for fraud.
by zaplunken
Tue Sep 26, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

URSnshn wrote: Tue Sep 26, 2017 12:24 pm How is the average person suppose to 1) understand the ramifications of all this, and 2) actually put it all into place? Most people I know eye's understandably glaze over at the topic and/or feel paralyzed by it all.
Good point.

Honestly I felt I had everything really under control and locked down. Password safe stored on a thumb drive with 2 copies on 2 other thumb drives and a print out in my safe deposit box, long complex random userids, passwords, security question answers that are just as meaningless, credit freeze with all 3 bureaus and now Innovis and Chex Systems, I monitor my 2 credit card statements carefully, credit score of 815 to 824, heck I'm all set. Frankly this has exposed how vulnerable I am despite all my best efforts and at this point I just give up. I have done all I can but with the piss poor security of all companies who handle personal information by not having updates to their software and worse not encrypting our data we are just rolling down the highway of identity theft at 100 mph without brakes or steering. It's probably when not if we have problems.
by Mudpuppy
Tue Sep 26, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

learning_head wrote: Tue Sep 26, 2017 9:27 am - Having to deal with multiple agencies, each with their own security issues (including Innovis, Chexsystems, and a lot of others). I could see the point of multiple agencies if I could choose which one has my data (e.g. based on which one I think is most secure or gives me most control over my data). This would result in CRAs competing with each other to be the most secure and user friendly; but instead, my data is in ALL of them, meaning any hacker just needs to find a weakness (which that specific hacker is most proficient in exploiting) in ANY one of them to get to my data. Plus, CRAs don't care about being user-friendly for us but instead they are competing to be more user friendly for businesses that use them - their real customers.
In the era of Big Data, far more than the plethora of credit bureaus have information on you that could cause you harm if they are breached. Most of them are only regulated by standard PII (personally identifiable information) rules, and perhaps an industry-specific rule such as HIPAA for medical. Most of them make big bucks off building patterns from your data that have value to other companies.

There's a saying in tech that goes to the effect of the following: if a service that costs a great deal of money to maintain is free to use, then the product is you. It's sort of the technology variation on "there's no such thing as a free lunch".

This breach is just the tip of the iceberg really. Much like how the Target breach illuminated the perils of mag-stripe credit cards, this breach illuminates the perils of wide-spread data collection of personal information.

One a related note, this Consumer Reports article illustrates the other ways the stolen Equifax data can be used to harm you, such as medical fraud or criminals giving your identity when they are caught by police: https://www.consumerreports.org/equifax ... h-threats/
by learning_head
Tue Sep 26, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Pajamas wrote: Tue Sep 26, 2017 8:26 am The C.E.O. of Equifax is OUT. Maybe they are finally on the way to "taking this seriously".

https://www.nytimes.com/2017/09/26/busi ... x-ceo.html
Won't make a bit of difference. The whole system is broken and setup with wrong incentives, and a forced early retirement of CEO is not going fix it...

- Having to deal with multiple agencies, each with their own security issues (including Innovis, Chexsystems, and a lot of others). I could see the point of multiple agencies if I could choose which one has my data (e.g. based on which one I think is most secure or gives me most control over my data). This would result in CRAs competing with each other to be the most secure and user friendly; but instead, my data is in ALL of them, meaning any hacker just needs to find a weakness (which that specific hacker is most proficient in exploiting) in ANY one of them to get to my data. Plus, CRAs don't care about being user-friendly for us but instead they are competing to be more user friendly for businesses that use them - their real customers.

- Having to pay for freeze/unfreeze/thaw

- Inability to instantly turn on and off freeze instead of leaving them out unfrozen at the granularity of a day (cleary TransUnion has capabilities of doing so easily for their own "lock" feature but they do not expose it for the real freeze)

- Having to renew fraud alert every 90 days if you want to be notified first each time there is account opened in your name (as preventative measure)

- Not having free credit monitoring provided by CRAs (yes, you can get it via other companies like CreditKarma + others, but those are yet more companies with access to your sensitive data and making money off of ads and other ways from that data)

- Having no way to specify you only want your credit report open to specific entity for specific time (some CRAs allow this, others don't)

- A ton of complaints about CRAs about not timely fixing errors

- Overall CRA reason for existence - they are not there to help us but to use our data to sell their product to businesses. Our private data is the product. CRAs have some of the lowest customer satisfactions out there. I read how it used to be CRA agents were incentivized to create fake issues for random customers (ala Wells Fargo with fake accounts) to show their business customers they service a real purpose of identifying bad apples vs good. I am assuming / hoping it's no longer the case but just shows where they come from and why "customer satisfaction" in CRA world does *not* apply to people whose data is being tracked.
by SmileyFace
Tue Sep 26, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

DaftInvestor wrote: Mon Sep 25, 2017 1:07 pm
zaplunken wrote: Sun Sep 24, 2017 7:42 pm I'm concerned.

On 9/12 I ordered a credit report from Innovis, they said 3-5 business days, where the heck is it?

On 9/13 I went to the Chex Systems and requested a freeze and they said I'd get a letter with a pin and instructions in 3 business days, where the heck is it?

I'm going to try to call or somehow contact them Monday but I suppose this is delayed due to volume or maybe they sent this stuff to the wrong place?
On 9/8 we (spouse and I) froze both Chex and Innovis. We also ordered credit reports from both. We got the credit reports within a week. We got the Chex PINs on Friday 9/22. I have yet to get an Innovis freeze PIN. I will wait another week before I call. I assume its due to the huge number of folks they need to process.
Update: Received our Innovis PINs in yesterday's mail. So with a 9/8 Freeze - we got our PINs on 9/25. Interesting how some that froze later got their PINs sooner - obviously not a first-come first-served business.
by bklyn96
Tue Sep 26, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

keith_h wrote: Mon Sep 25, 2017 7:18 pm I had the same concerns today. Froze Innovis and Chex on 9/11 and as of today I have not received anything from them. I feel slightly better seeing others have had to wait several weeks.
We also froze both Innovis and Chex on 9/11. Recently received mail responses—Innovis on 9/22 and Chex on 9/25
by AntsOnTheMarch
Mon Sep 25, 2017 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Today, I got both Innovis pins (DW's and mine). So I'm caught up with all freezes.

I also got the second of 3 requested credit reports for DW (had to request her reports by mail for some reason). Now the kicker. Instead of receiving her credit report from equifax, they sent her a letter asking for a bunch of photocopies for proof of ID. This company is a hot mess. Good luck to anyone relying on them for anything. I just hope the credit freeze and algorithmic PIN they did for me online hold up if I ever have to unfreeze the account.
by AAA
Mon Sep 25, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

keith_h wrote: Mon Sep 25, 2017 7:18 pmI had the same concerns today. Froze Innovis and Chex on 9/11 and as of today I have not received anything from them. I feel slightly better seeing others have had to wait several weeks.
I just got the Chex confirmation letter with PIN number today, exactly two weeks after setting up the freeze online. Innovis was a little faster.
by keith_h
Mon Sep 25, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

DaftInvestor wrote: Mon Sep 25, 2017 1:07 pm
zaplunken wrote: Sun Sep 24, 2017 7:42 pm I'm concerned.

On 9/12 I ordered a credit report from Innovis, they said 3-5 business days, where the heck is it?

On 9/13 I went to the Chex Systems and requested a freeze and they said I'd get a letter with a pin and instructions in 3 business days, where the heck is it?

I'm going to try to call or somehow contact them Monday but I suppose this is delayed due to volume or maybe they sent this stuff to the wrong place?
On 9/8 we (spouse and I) froze both Chex and Innovis. We also ordered credit reports from both. We got the credit reports within a week. We got the Chex PINs on Friday 9/22. I have yet to get an Innovis freeze PIN. I will wait another week before I call. I assume its due to the huge number of folks they need to process.
I had the same concerns today. Froze Innovis and Chex on 9/11 and as of today I have not received anything from them. I feel slightly better seeing others have had to wait several weeks.
by SmileyFace
Mon Sep 25, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

zaplunken wrote: Sun Sep 24, 2017 7:42 pm I'm concerned.

On 9/12 I ordered a credit report from Innovis, they said 3-5 business days, where the heck is it?

On 9/13 I went to the Chex Systems and requested a freeze and they said I'd get a letter with a pin and instructions in 3 business days, where the heck is it?

I'm going to try to call or somehow contact them Monday but I suppose this is delayed due to volume or maybe they sent this stuff to the wrong place?
On 9/8 we (spouse and I) froze both Chex and Innovis. We also ordered credit reports from both. We got the credit reports within a week. We got the Chex PINs on Friday 9/22. I have yet to get an Innovis freeze PIN. I will wait another week before I call. I assume its due to the huge number of folks they need to process.
by tj
Sun Sep 24, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

I received the ChexSystems pin on Friday and the Innovis pin yesterday. I froze them the day we all heard about the hooplah.

They're probably swamped with lots of requests. I wouldn't worry about it.
by zaplunken
Sun Sep 24, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

I'm concerned.

On 9/12 I ordered a credit report from Innovis, they said 3-5 business days, where the heck is it?

On 9/13 I went to the Chex Systems and requested a freeze and they said I'd get a letter with a pin and instructions in 3 business days, where the heck is it?

I'm going to try to call or somehow contact them Monday but I suppose this is delayed due to volume or maybe they sent this stuff to the wrong place?
by Longtermgrowth
Fri Sep 15, 2017 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Question for everyone: If applying for a job, what wouldn't you want to have frozen? The big three (Equifax, Experian, Transunion)? Is Innovis and ChexSystems alright to keep frozen?

Edit: Since some employers don't check in the first place, do you just wait for them to ask you to thaw your report at the specific agency they're trying to access?

Have a feeling I'll have to make a new thread if I want this question seen by enough to get some opinions...
by knpstr
Wed Sep 13, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

DaftInvestor wrote: Wed Sep 13, 2017 2:39 pm
knpstr wrote: Wed Sep 13, 2017 2:36 pm
DaftInvestor wrote: Wed Sep 13, 2017 2:29 pm
knpstr wrote: Wed Sep 13, 2017 2:27 pm Yes, I think your feelings towards the company is justified. From reading this thread it seems like the best course of action (in terms of preventing ID theft) is to place a security/credit freeze with 4 agencies.
.... 5 agencies
Equifax, Experian, TransUnion are the main 3 and then Innovis is also mentioned, what's the 5th one?

The FTC only mentions going to the "big 3" to do a freeze on their site
Chex Systems (talked about earlier in this thread and some others. Often used for opening new bank accounts):
https://www.chexsystems.com/
:beer I missed the mentioning of that one
by SmileyFace
Wed Sep 13, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

knpstr wrote: Wed Sep 13, 2017 2:36 pm
DaftInvestor wrote: Wed Sep 13, 2017 2:29 pm
knpstr wrote: Wed Sep 13, 2017 2:27 pm Yes, I think your feelings towards the company is justified. From reading this thread it seems like the best course of action (in terms of preventing ID theft) is to place a security/credit freeze with 4 agencies.
.... 5 agencies
Equifax, Experian, TransUnion are the main 3 and then Innovis is also mentioned, what's the 5th one?

The FTC only mentions going to the "big 3" to do a freeze on their site
Chex Systems (talked about earlier in this thread and some others. Often used for opening new bank accounts):
https://www.chexsystems.com/
by knpstr
Wed Sep 13, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

DaftInvestor wrote: Wed Sep 13, 2017 2:29 pm
knpstr wrote: Wed Sep 13, 2017 2:27 pm Yes, I think your feelings towards the company is justified. From reading this thread it seems like the best course of action (in terms of preventing ID theft) is to place a security/credit freeze with 4 agencies.
.... 5 agencies
Equifax, Experian, TransUnion are the main 3 and then Innovis is also mentioned, what's the 5th one?

The FTC only mentions going to the "big 3" to do a freeze on their site
by bobsully
Wed Sep 13, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

I have actually frozen 8 accounts 4 for my wife the other 4 for myself, and will "thaw" them when needed. I use an "outside" monitoring service which offers a family plan and provides help to resolve issues at a fair price. There are four consumer credit bureaus, including Equifax, Experian, Innovis and Trans Union. The monitoring service I use is IDShield and I use Dashlane for password protection. I keep an eye on things, but its helps to have someone else watching as well. Hope they come up with a better solution soon.
https://krebsonsecurity.com/2017/09/the ... hould-know
by need403bhelp
Tue Sep 12, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

learning_head wrote: Tue Sep 12, 2017 9:44 pm
zaplunken wrote: Tue Sep 12, 2017 9:33 pm Thanks. I doubt I'll need to open any bank accounts unless I move to another state which I doubt but who knows. It doesn't seem I need to be concerned then especially when you say there are a lot of these. I'm trying to hit all the bases having just found out about Innovis. I have had the same bank accounts for many years, I sure don't churn accounts.
This is not about YOU churning or needing to open accounts. Rather, it's about hackers with your stolen identity info opening checking/savings accounts in your name and preventing fraud they might be using it for; such as money laundering (for which you are then investigated) or even potentially transferring money from your real accounts into their fake ones under your name, if they can get to your real ones somehow (charming a customer rep with your stolen identity info into giving them missing pieces for your real accounts?).

Since you don't churn or need bank accounts, this freeze should not negatively affect you but may save you from identity theft.
To add to your point, I will clarify my point about more than one such entity for checking account.

I personally only know of Chex and EWS.

I saw on a list of "credit reporting" agencies from CFPB (don't have link) that there appears to be one more.

EWS is basically used by only a few big banks as far As I understand (it is, as far as I understand, a partnership between them). Ideally, they have their "things together enough" that they might do a bit of extra due diligence when you open a new account with them.

Chex is used by everyone else. That is a lot of banks that a hacker could use to open an account for you. If they get your routing and account number from your real account (you write checks, right? These are printed on every check you write), and then somehow guess or socially wngineer a customer service rep into giving them the test deposit amounts, they could WITHDRAW MONEY FROM YOUR ENTURE LEGITIMATE BANK ACCOUNT VIA ACH and then withdraw it as cash (or use PayPal/Venmo/Square Cash/etc to send it to another fake account).

So def would freeze if you don't churn bank accounts.

Also, if you don't do this and someone opens a bank account in your name, you'll never know (unless you have MyIDCare through OPM - they seem to track chex per my experience).
by learning_head
Tue Sep 12, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

zaplunken wrote: Tue Sep 12, 2017 9:33 pm Thanks. I doubt I'll need to open any bank accounts unless I move to another state which I doubt but who knows. It doesn't seem I need to be concerned then especially when you say there are a lot of these. I'm trying to hit all the bases having just found out about Innovis. I have had the same bank accounts for many years, I sure don't churn accounts.
This is not about YOU churning or needing to open accounts. Rather, it's about hackers with your stolen identity info opening checking/savings accounts in your name and preventing fraud they might be using it for; such as money laundering (for which you are then investigated) or even potentially transferring money from your real accounts into their fake ones under your name, if they can get to your real ones somehow (charming a customer rep with your stolen identity info into giving them missing pieces for your real accounts?).

Since you don't churn or need bank accounts, this freeze should not negatively affect you but may save you from identity theft.
by zaplunken
Tue Sep 12, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Thanks. I doubt I'll need to open any bank accounts unless I move to another state which I doubt but who knows. It doesn't seem I need to be concerned then especially when you say there are a lot of these. I'm trying to hit all the bases having just found out about Innovis. I have had the same bank accounts for many years, I sure don't churn accounts.
by AntsOnTheMarch
Tue Sep 12, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Almost there wrote: Tue Sep 12, 2017 3:00 pm Thank you, triceratops, for the link. I just signed up.
So should I also sign up for a credit freeze with the other 3 credit reporting agencies?
Freeze Credit (Links)

https://freeze.transunion.com/sf/securi ... derProcess

https://www.freeze.equifax.com/Freeze/j ... IDInfo.jsp

https://www.experian.com/freeze/center.html‬

https://www.innovis.com/personal/securityFreeze

https://www.chexsystems.com/web/chexsys ... BIS9nQSEh/
by chuckb84
Mon Sep 11, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

AntsOnTheMarch wrote: Sun Sep 10, 2017 11:18 am
chuckb84 wrote: Sun Sep 10, 2017 8:27 am It took several tries with Equifax, but I have frozen: Equifax, Experian and Transunion.

Some people have mentioned others? So, what else should I freeze?
https://freeze.transunion.com/sf/securi ... derProcess

https://www.freeze.equifax.com/Freeze/j ... IDInfo.jsp

https://www.experian.com/freeze/center.html‬

https://www.innovis.com/personal/securityFreeze

https://www.chexsystems.com/web/chexsys ... BIS9nQSEh/

FYI, equifax said that neither I or DW had accounts compromised but I got free credit freezes for us both. So, 5 agency freeezes x 2 (DW and I) cost me $40 ($10 per). Chex, equifax, and experian did not charge. My state seems to have a $10 fee so not sure how these agencies decide. Maybe equifax is not charging anyone at this time for good will building? I'm sure they will have a lot to answer for in these coming days and months.
Thanks! Innovis and Chexsystems were quick and easy!
by AAA
Mon Sep 11, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

learning_head wrote: Mon Sep 11, 2017 9:21 amFurther, normal credit thaw / refreeze may take a while I gather (no personal experience though!), while this lock/unlock feature seems instantaneous. Another hidden benefit for when you need to thaw for a limited time? (Not to mention, thaw/refreeze would be free, not cost money like it does in my state)
I've had to thaw a couple of times. Did it online and it's fast. Found this online from North Carolina Dept. of Justice:

How Long Does it Take to Lift a Security Freeze?
Credit bureaus can usually comply with an online or telephone request to lift a security freeze within 15 minutes. Credit bureaus have up to three business days to comply with a written request to lift a security freeze after they receive the request by mail.

By the way, this morning spouse and I also put freezes on Innovis and ChexSystems files. Only took a few minutes. They will mail confirmation letters with PIN numbers.
by learning_head
Mon Sep 11, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Like others on this thread, I noticed Equifax freezes for free despite legal ability to collect fees for the freeze. Innovis and Chexsystems were free as well.

I noticed TransUnion offers "TrueIdentity" product for free which allows on to easily "Lock your TransUnion report". Has anyone had experience with that?

According to http://www.mymoneyblog.com/transunion-t ... eview.html

it might be the same thing as the freeze but for free... ?
by angelbell
Sun Sep 10, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Some of my CD's are maturing soon, and I usually check around for best rates to renew. Would freezing my credit prevent me from opening online savings accounts and CD's too? If that is the case, I'd have to unfreeze to open a new account, and then freeze again at all the credit bureaus (Equifax, TransUnion, Experian, ChexSystem, Innovis)?
by tj
Sun Sep 10, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

AntsOnTheMarch wrote: Sun Sep 10, 2017 11:18 am
chuckb84 wrote: Sun Sep 10, 2017 8:27 am It took several tries with Equifax, but I have frozen: Equifax, Experian and Transunion.

Some people have mentioned others? So, what else should I freeze?
https://freeze.transunion.com/sf/securi ... derProcess

https://www.freeze.equifax.com/Freeze/j ... IDInfo.jsp

https://www.experian.com/freeze/center.html‬

https://www.innovis.com/personal/securityFreeze

https://www.chexsystems.com/web/chexsys ... BIS9nQSEh/

FYI, equifax said that neither I or DW had accounts compromised but I got free credit freezes for us both. So, 5 agency freeezes x 2 (DW and I) cost me $40 ($10 per). Chex, equifax, and experian did not charge. My state seems to have a $10 fee so not sure how these agencies decide. Maybe equifax is not charging anyone at this time for good will building? I'm sure they will have a lot to answer for in these coming days and months.
Innovis and ChexSystems didn't seem to charge me anything. Neither did Equifax. I paid the $5 fee for Experian and Transunion.
by tibbitts
Sun Sep 10, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

cheapskate wrote: Sat Sep 09, 2017 1:39 pm Froze credit at Equifax, Innovis and Experian. TransUnion wouldn't let me freeze online or on phone, need to talk to agent Monday.

For some reason neither Innovis nor Equifax charged me the $10 (In CA there is a $10 fee). Experian did. Maybe at the first 2 agencies, the freezing is a no-op :)

This CNN link says to keep an eye on bank/brokerage/credit card accounts -

http://money.cnn.com/2017/09/09/pf/what ... index.html

I don't get this. Assuming you've taken the usual precautions - have strong passwords + 2 FA on your bank + brokerage accounts, voice authentication/voice password/have frozen outbound write xfers etc, how can compromised Social Security numbers/address/name/DoB cause hackers to drain your accounts or post fraudulent charges to your existing CCs ?
For example, I had most security enabled on my Discover card, but someone called them up and apparently knew enough about me to redeem my rewards balance ($200) to buy gift cards and have them change the password on my online account.
by AntsOnTheMarch
Sun Sep 10, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

chuckb84 wrote: Sun Sep 10, 2017 8:27 am It took several tries with Equifax, but I have frozen: Equifax, Experian and Transunion.

Some people have mentioned others? So, what else should I freeze?
https://freeze.transunion.com/sf/securi ... derProcess

https://www.freeze.equifax.com/Freeze/j ... IDInfo.jsp

https://www.experian.com/freeze/center.html‬

https://www.innovis.com/personal/securityFreeze

https://www.chexsystems.com/web/chexsys ... BIS9nQSEh/

FYI, equifax said that neither I or DW had accounts compromised but I got free credit freezes for us both. So, 5 agency freeezes x 2 (DW and I) cost me $40 ($10 per). Chex, equifax, and experian did not charge. My state seems to have a $10 fee so not sure how these agencies decide. Maybe equifax is not charging anyone at this time for good will building? I'm sure they will have a lot to answer for in these coming days and months.
by mongstradamus
Sun Sep 10, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

AnStrANG wrote: Sat Sep 09, 2017 10:40 pm So here's what I've done, and already done

Already done (before the breach):
- Download all my financial institution information into Quicken every day, so I can watch for abnormalities
- Use creditkarma every few weeks to monitor any changes
- Use LastPass pronounceable passwords for the answers to security questions at financial institutions and other places

What I have just done
- Added free credit monitoring using LastPass (linked to TransUnion)
- Froze my Chex account and Innovis account
- Setup Discovercard Identify Theft Protection which looks at Experian
- Only put a fraud alert on my Transunion Account, which I will believe will carry over to the other credit bureaus.

- I have NOT done a credit freeze. Just not comfortable with that, don't feel right about paying them for their mistake, and don't think I need it given the other protections above
You can get "free credit freeze" with equifax if your accounts were compromised that is what i did , I also did the pay option for TU and EX though.
by AnStrANG
Sat Sep 09, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

So here's what I've done, and already done

Already done (before the breach):
- Download all my financial institution information into Quicken every day, so I can watch for abnormalities
- Use creditkarma every few weeks to monitor any changes
- Use LastPass pronounceable passwords for the answers to security questions at financial institutions and other places

What I have just done
- Added free credit monitoring using LastPass (linked to TransUnion)
- Froze my Chex account and Innovis account
- Setup Discovercard Identify Theft Protection which looks at Experian
- Only put a fraud alert on my Transunion Account, which I will believe will carry over to the other credit bureaus.

- I have NOT done a credit freeze. Just not comfortable with that, don't feel right about paying them for their mistake, and don't think I need it given the other protections above
by Nicolas
Sat Sep 09, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Ice-9 wrote: Sat Sep 09, 2017 4:14 pm Security folks on Twitter are now reporting that the PINS Equifax has generated for its freezes are not random numbers but rather the date and time you requested a freeze. I checked mine from years ago, and it appears to be true. :oops:

Thankfully, the PINS Experian, Transunion, and Innova generated for me appear to actually be random numbers.
I just checked our two PINs from Equifax and it's true, it's just a date/time stamp!
Experian looks random. Transunion demanded I pick my own and it had to be six digits. Innovis and Chex Systems didn't show me PINs, they're sending them by US Mail.

By the way it's Innovis, not Innova
by Nicolas
Sat Sep 09, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

I just froze our credit at all five credit bureaus: Equifax, Experian, Transunion, Innovis, and Chex Systems, for both myself and my wife.

There was just one hiccup: I bungled one of Experian's questions related to my personal historical information. I tried a do-over, no go. So now I have to send in my request by snail mail, including a scan of a government ID and a utility bill. I could send the last two items electronically at my option but I don't think I will. In order to freeze at Transunion they forced me to create accounts. I tried to use a 30 char password, it wasn't accepted. They did take a 24 char password, didn't try anything in between. They didn't specify a limit.

I paid $10 for each of us at Equifax, Experian, and Transunion, total of $60. This is mandated by the state. I didn't have to pay anything to Innovis and Chex Systems. I don't know why. Also these last two and Equifax didn't try to make me prove my identity, only Experian and Transunion did that.

Equifax and Experian picked long PINs for me. [Edit: Equifax's PIN is just a date/time stamp, 10 digits). Experian would've allowed me to choose my own and I opted not to. Transunion mandated that I choose them on my own and the PIN length was limited to only six digits, too short for my liking. Innovis and Chex Systems are sending the PINs by snail mail.

Last night on Equifax's website when I went to check my wife's SS number (last six digits) I typed in one of her numbers wrong. Still it said she may be in the compromised group! This doesn't inspire confidence. Really it's a useless exercise anyway as how would you know for sure, because they said so? It's best to assume the worst in these circumstances.
by Uncle Pennybags
Sat Sep 09, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

lawnboss wrote: Sat Sep 09, 2017 9:48 amInnovis, and ChexSystems
I never heard of them. They are not listed for a free credit report.
Austintatious wrote: Sat Sep 09, 2017 11:01 amHaving been told that my account may have been impacted, I also sought to avail myself of their free year of monitoring and was told I'd be able to sign up on 9/12. This morning, I received an email from Equifax starting off with an exuberant "You're in!",
How did they get your email? I'm due on the 12th too but I never gave them my email.
energy2025 wrote: Sat Sep 09, 2017 11:17 am "May have been impacted" response I get when checked online..
Why can't be yes or no?
Because it is their nature to confuse the situation. Equifax is going to try and make money off this.
by cheapskate
Sat Sep 09, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Froze credit at Equifax, Innovis and Experian. TransUnion wouldn't let me freeze online or on phone, need to talk to agent Monday.

For some reason neither Innovis nor Equifax charged me the $10 (In CA there is a $10 fee). Experian did. Maybe at the first 2 agencies, the freezing is a no-op :)

This CNN link says to keep an eye on bank/brokerage/credit card accounts -

http://money.cnn.com/2017/09/09/pf/what ... index.html

I don't get this. Assuming you've taken the usual precautions - have strong passwords + 2 FA on your bank + brokerage accounts, voice authentication/voice password/have frozen outbound write xfers etc, how can compromised Social Security numbers/address/name/DoB cause hackers to drain your accounts or post fraudulent charges to your existing CCs ?
by Fess McGee
Sat Sep 09, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Yesterday I froze Eq, Ex, TU, Innovis and Chex for wife and I. $10 each for the big 3. Free for other 2. For those 2, the PINs get sent thru the mail. Big 3 were all online. TU website was awful but finally got it done.

Bitter pill having to pay that $ to Equifax. I guess I can now cancel my Exp credit monitoring which had gotten too expensive anyway.

My wife freaked out when I told her froze our credit. She thought it meant no more credit cards.
by lawnboss
Sat Sep 09, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Went online and added security freezes to Equifax, Experian, TransUnion, Innovis, and ChexSystems for me and wife. Apparently this is free in our state (wow!).

Quick question: will the security freeze interfere with my ability to get my annual free credit reports online?
by gtd98765
Sat Sep 09, 2017 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

I was able to complete credit freezes on line this morning for my wife with Equifax, Experian, Innovis, and TransUnion. For me, only Innovis and TransUnion; maybe it's my guilty face? Anyway, for Equifax and Experian I will have to write letters and mail them in via snail mail.
by HIinvestor
Sat Sep 09, 2017 4:50 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

I froze my accounts and H's today. It was all done online. No downloading or uploading of docs was required. We did the 3 major companies plus the 2 that we hadn't heard of before, Innovis and ChexSystems. We ran into a glitch when we were trying to finish H's Transunion freeze--they asked twice where S lived but the answers they offered were not among the cities listed (their info is old). H had to call to complete the freeze. H was able to connect on the phone to finish his Transunion freeze quickly.

By HI law we we're charged the max $5 apiece for two of the freezes but Experian charged $5.20. No charge from Innovis nor ChexSystems.

We have been hacked by OPM breach, possibly Target, Anthem, possibly Experian and now possibly Equifax! We have no need for more CCards or bank accounts or loans, so a credit freeze seems ideal.

Looked into the various "monitoring" offerings and am not impressed so we have not opted to sign up for them. We got several years of clearID, I think it was called for the prior consecutive breaches. Nothing was ever found to be suspicious nor reported.

I think I will send a bill to the president of Equifax as well, for the charge to place these freezes for each ic us AND the time we had to spend doing it!
by jdv01
Fri Sep 08, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

My Experience

I checked the Equifax website posted earlier in this thread yesterday.

Got the check back after Sept. 11
DW got the check back after Sept. 13

I decided to check again today and got the you are one of our lucky winners :annoyed
Sign up for credit monitoring now? - I declined.

DW checks again still has a check back after Sept. 13 message

Went to https://www.annualcreditreport.com/index.action and was only able to get one of the 3 credit reports {TransUnion} the other two said I would have to apply by mail. Took a quick look at my TransUnion and it looks Ok.

Decide to freeze my accounts at the different agencies. Used the below links

https://www.experian.com/freeze/center.html
https://www.freeze.equifax.com/Freeze/j ... IDInfo.jsp
https://freeze.transunion.com/sf/securi ... ngPage.jsp
https://www.innovis.com/personal/securityFreeze

Experian failed just said I would have to submit by mail Tried a couple of different combinations of how my last name could be spelled and my address. Never would take it. Took the credit card info each time and said to submit by mail. Did not see any info about my card not being charged so I my have 4 x $10 charges I will have to follow up on that.

The others took my money (except innovis which did it for free) and allowed me to lock my credit. So locks at 2 out of the big 3 plus Innovis.

And now I'm going to wait and see how this unfolds not much more I can do at this stage. I guess next we will have DW check back next week and see if she is also a "lucky winner" Then we get to repeat the process for freezing her accounts and get to play $10 for the privilege.

The illusion off being safe in the connected world gets very thin and I work in IT and have no illusions. There are two types of organizations/people in the world those that know they have been hacked and those that don't.
by SmileyFace
Fri Sep 08, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax says info stolen. What's my best course of action?

mhalley wrote: Fri Sep 08, 2017 1:57 pm You don't need monitoring if your credit is frozen. If you want it anyway, sign up for credit karma.
Just wanted to give my experience on my credit freeze attempts today.
Equifax: unsuccessfull online for me and wife. Need to send info by snailmail.
Experian: successfull online for me, not wife. No phone option. ? Online option with uploaded documents that I need to try.
TransUnion: unsuccessful online for me, done over phone. Successful online for wife.
Just as another data point I was able to freeze all 4 (the three you list plus Innovis) for both me and my wife online this morning. I think total time to complete all 8 freezes was around 15-20 minutes.
I was done churning credit-cards for a while anyway :)
by SmileyFace
Fri Sep 08, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

As mentioned above - you should also do a freeze with Innovis (the 4th agency):
https://www.innovis.com/personal/securityFreeze

Incidentally - Innovis is the only one that didn't charge me to do a freeze. Even Equifax (who is the one that had the breach leading me to decide to do the freezes) charged me. Equifax should be waiving the fee - unbelievable. (NOTE: fees vary by state with some waiving of fees if you are over 65 in some states).
by JMacDonald
Fri Sep 08, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

AAA wrote: Fri Sep 08, 2017 7:38 am Everyone talks about freezing files at the three major credit bureaus, which I've done, but apparently there is another bureau (Innovis) which I had not heard of until now. Can/should one also freeze files there?
Do you want to limit access to your Innovis Credit Report?
https://www.innovis.com/personal/securityFreeze
by AAA
Fri Sep 08, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

Everyone talks about freezing files at the three major credit bureaus, which I've done, but apparently there is another bureau (Innovis) which I had not heard of until now. Can/should one also freeze files there?
by AAA
Thu Sep 07, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 77777

Re: Equifax customer information leak

I went to their dedicated website, www.equifaxsecurity2017.com, "to help consumers determine if their information has been potentially impacted and to sign up for credit file monitoring and identity theft protection." After entering my information, it brought up a window telling me that I could enroll in the service they're offering on such-and-such a date. There was no explicit statement of whether my information had been impacted or not. So I should assume that since they're offering to sign me up that it has? Not a very clear or straightforward process. Anyhow, as I have the files already frozen, I am not in a hurry to use their service.

The article referenced by VictoriaF mentions a fourth credit bureau, Innovis. Has anyone frozen their files there also?