451–460 of 670 posts
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Just chiming in to say that I was able to freeze all three online yesterday. No calls needed!
How'd you do this without calls? Did it cost?
http://clark.com/personal-finance-credit/credit-freeze-and-t...
Of course, Equifax just gave me a 500 AND charged my card anyway, so that was nice. The other two worked fine though. Equifax is a steaming pile of garbage.
Edit to mention that I only used burner cards for the payments.
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i filled out the experian form online for free: https://www.experian.com/fraud/center.html#content-01
That's not a credit "freeze". It's just an alert system.
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Come on, that's really not hard to find out for yourself. But here are the links anyway: https://www.freeze.equifax.com/ https://freeze.transunion.com/ https://www.experian.com/freeze/center.html
ugh. even their 10 digit code they provide to unfreeze someone isn't very secure. It's simply todays date plus a 4 digit pin that moves up in the order that someone signs up. For example: 090817xxx1, 090817xxx2. So my wife and I are simply two numbers apart.
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I was able to freeze my credit through on-line forms using instructions here: https://www.reddit.com/r/personalfinance/wiki/identity_theft Fees vary by state. I think I paid ~$20 total and not all of them charged me.
Oof. I really don't want to give these incompetent losers my credit card number.
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I got the same message, but nowhere did I read "you have been affected". Is this just implied? I cancelled my Equifax credit watch account about 5 months ago, when they decided to raise rates. Never have I hoped so much for a business to be sued out of existence. And hopefully their inside traders will get jail time (yeah, right).
It wasn't implied for me. I put in my SSID (6 digits) and last name. It then told me: " Based on the information provided, we believe that your personal information may have been impacted by this incident." It then had some button, I forgot what the button said. This led to the screen about "save the date" for protection.
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> So why can't I have a mobile app (or three) for free Yes, and I think it's a bigger question of why we have so little control over or access to our own data in the first place? It's a racket that they monetize our data by selling it to others, then charge us again to access and protect it. And, if you've ever had to go through the pain of having something corrected in a timely fashion, then you know it's doubly-mad…
>Yet, without our data, they'd have no business Yet, without credit rating agencies, you'd get no loans.
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The government can't just dissolve a corporation on a whim. We have due process and the rule of law.
Since Congress defines what the law is, couldn't they do it? The only law binding Congress's lawmaking powers is the Constitution, and I don't think it restricts their ability to dissolve corporations.
So this would only work if you can find a clause permitting them to do this. I assume this would be the commerce clause?
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The government can't just dissolve a corporation on a whim. We have due process and the rule of law.
Since Congress defines what the law is, couldn't they do it? The only law binding Congress's lawmaking powers is the Constitution, and I don't think it restricts their ability to dissolve corporations.
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This isn't true. Just by entering in your information to check if you're affected, you'll be enrolled automatically if you were indeed affected. Really scummy behavior.
This is not true. I checked, and it offered me the opportunity to sign up "on or after" a specific date. There is no automatic enrollment.
> If you choose to enroll, that is when you waive your right to join any class action lawsuit.
Isn't true. Just by using the site to check, you're waiving your right to participate in a lawsuit, as expressed in the site's Terms of Use linked at the bottom:
> THIS PRODUCT AGREEMENT AND TERMS OF USE ("AGREEMENT") CONTAINS THE TERMS AND CONDITIONS UPON WHICH YOU MAY PURCHASE AND USE OUR PRODUCTS THROUGH THE WWW.EQUIFAX.COM, WWW.IDENTITYPROTECTION.COM AND WWW.IDPROTECTION.COM WEBSITES AND ALL OTHER WEBSITES OWNED AND OPERATED BY EQUIFAX AND ITS AFFILIATES ("SITE").
> No Class or Representative Arbitrations. The arbitration will be conducted as an individual arbitration. Neither You nor We consent or agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed with arbitration on a class or representative basis.
Further detail from an actual lawyer in this comment: