Live data from Hacker News

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

twitter.com

61–70 of 193 posts

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

#61
post #32

Whoa... one guy said on Twitter this was the case in 2007!!

9:38 PM - 8 Sep 2017

OP was referring to the top reply to the linked tweet.

> Verified PIN format w/ several people who froze today. And I got my PIN in 2007—same exact format. Equifax has been doing this for A DECADE.

https://twitter.com/webster/status/906361966645710849

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

#62
post #22

OK, what is "Equifax security freeze"?

A security freeze (which you can get from all three credit reporting agencies for small fee, $10 or $20) prevents them from giving your credit information to a bank (or car company, or college loan agency, or...) asking about you, when you ask for a loan. I don't know if they charge for this service or not.

It also prevents them from selling your credit information to credit card companies (and, I'm sure, insurance agencies and many other businesses). These businesses want a list of people with good credit history to market their wares to.

Essentially, you're "taking yourself off their sales shelf", so they do not want you doing this, and will make it as hard as they legally can.

Also note that you pretty much cannot get a loan while your credit records at these firms are frozen, but it's actually easy to get them un-frozen and then frozen again once you get the loan.

In fact, you should find out which credit agency your bank (car dealer, whatever) uses and then only unfreeze that one.

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

#63
post #42

Earlier quoted context omitted.

Or CEO/CTO's buddy's company

The CSO apparently graduated with a music major. Not that it should it disqualify them, many in tech didn't graduate with a CS degree but in light of the incident one has to wonder.

That's where they learned to play the tiniest violin in the world. I sincerely hope that person has at least the dignity to resign.

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

#64
post #46
post #33

Earlier quoted context omitted.

I may agree, but Equifax is by no reasonable definition "a critical system".

I don't know what definition of "critical" we're going with, but the fact that they have the SSN of basically every American makes them an important weak point.

It is really time to move past SSNs

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

#65
post #8

Serious question... if there are 3-5 attempt lock out, would this be any less secure than randomly generated number?

Very much so. If you can guess when someone froze their stuff to within a day, for example, then 5 tries gives you a 1 in 288 chance of getting in. A proper random number would be more like 1 in a trillion trillion trillion trillion trillion trillion trillion trillion.

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

#67

It's time to have a mandatory certification for people who develop critical systems. After such certification, you can consider such an implementation a malpractice, and sue them for it (of course the penalty is paid by the insurance company which sold the malpractice insurance). Doctors, lawyers, and many other professions have such system, why can't we have it as well?

That's not what's needed. I guarantee you if the companies responsible for these leaks and their executives faced real penalties with teeth things would get better, licensure scheme or no.

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

#68
post #57

Earlier quoted context omitted.

Developers don't control budgets and deadlines at large companies, management does. So what does this "certified" individual do when he's given a project without resources allocated for proper security auditing? Does he intentionally get fired for refusing the assignment? That works if he has bountiful savings, no mortgage, no kids. Surely no unethical contracting company will pick up the job after he leaves...

How does it work with lawyers or engineers?

As licensed professionals, they work under the knowledge that there are practices and outcomes that can cause them to lose their licenses.

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

#69
post #57

Earlier quoted context omitted.

Developers don't control budgets and deadlines at large companies, management does. So what does this "certified" individual do when he's given a project without resources allocated for proper security auditing? Does he intentionally get fired for refusing the assignment? That works if he has bountiful savings, no mortgage, no kids. Surely no unethical contracting company will pick up the job after he leaves...

How does it work with lawyers or engineers?

That doesn't really seem comparable.

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

#70
And the hits just keep on coming...

www.equifaxsecurity2017.com uses an invalid security certificate.

The certificate is not trusted because the issuer certificate is unknown. The server might not be sending the appropriate intermediate certificates. An additional root certificate may need to be imported.

Error code: SEC_ERROR_UNKNOWN_ISSUER

Post reply on HN