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Equifax security freeze PINs are the timestamp of when you request the freeze

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Re: Equifax security freeze PINs are the timestamp of when you request the freeze

#3
I am curious what programmer would make such a choice vs. calling random or asking the user.

However, while undeniably stupid, hopefully they have rate limiting in place so guessing the PIN would not be feasible even if you know the day the credit freeze was put into place.

Re: Equifax security freeze PINs are the timestamp of when you request the freeze

#4
post #3

I am curious what programmer would make such a choice vs. calling random or asking the user. However, while undeniably stupid, hopefully they have rate limiting in place so guessing the PIN would not be feasible even if you know the day the credit freeze was put into place.

Do you really think a company that has visibly demonstrated this much incompetence thus far would be making smart decisions where you can't see them?

Re: Equifax security freeze PINs are the timestamp of when you request the freeze

#6
post #3

I am curious what programmer would make such a choice vs. calling random or asking the user. However, while undeniably stupid, hopefully they have rate limiting in place so guessing the PIN would not be feasible even if you know the day the credit freeze was put into place.

If you have a 1 in 60*24 chance of guessing correctly then after 1000 guesses (potentially against different people) you have a 50 chance of being correct on one.

Re: Equifax security freeze PINs are the timestamp of when you request the freeze

#9
post #6
post #3

I am curious what programmer would make such a choice vs. calling random or asking the user. However, while undeniably stupid, hopefully they have rate limiting in place so guessing the PIN would not be feasible even if you know the day the credit freeze was put into place.

If you have a 1 in 60*24 chance of guessing correctly then after 1000 guesses (potentially against different people) you have a 50 chance of being correct on one.

It's probably even less that 1 in 60 * 24, because usually a freezes is requested during business hours? So 1 in 60 * 8?

Re: Equifax security freeze PINs are the timestamp of when you request the freeze

#10
post #3

I am curious what programmer would make such a choice vs. calling random or asking the user. However, while undeniably stupid, hopefully they have rate limiting in place so guessing the PIN would not be feasible even if you know the day the credit freeze was put into place.

maybe there was no way to save and transfer the pin from one place of the system to another, and the only way to do it is to guess on the other side by timestamp.

pretty hacky implementation but oh well

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