Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

Equihax

krypt3ia.wordpress.com

Post reply on HN
Print view View original

31–40 of 209 posts

Re: Equihax

#31

Post by thedevil »

wyldfire wrote: post #23
thedevil wrote: post #18

If I were the real hacker, I would prove it by leaking information that wasn't already public. If I were someone pretending to be the real hacker, I would show a screenshot of SSNs that I could find with Google (e.g. Kim Kardashian, Donald Trump, and Bill Gates).

I think you're right. But if they had leaked information that wasn't public, we wouldn't have a way to verify it, right?

Maybe. If I were the real hacker wanting to prove it, I'd maybe leak a few celebrities without previously leaked SSNs. I think at least one of them would unintentionally verify it for the public by getting upset and ranting on Twitter. If that didn't work, I'd try something else.

Disclaimer: I'm no expert on security. I just like applying my things-I-might-do technique.

Re: Equihax

#32

Post by ryanlol »

heartbreak wrote: post #27
msumpter wrote: post #9

Earlier quoted context omitted.

Dunno why, but just surprised that Kim K's credit score with Equifax is 643. Unrelated, sorry.

Kanye is famously $53 million in debt, so it makes sense actually.

Being $53 million in debt seems like something that would result in you having an excellent credit score.

Re: Equihax

#33

Post by thephyber »

sschueller wrote: post #7

600 BTC = ~2,111,994 USD

Note: The value of BTC dropped more than 10% in the past 8 hours, so the value of the ransom just became much more affordable than before, although it's still higher than the middle of May when Equifax claims the breach began.

Re: Equihax

#34

Post by jitix »

robertelder wrote: post #28

Cool, this is good news as it means I might actually be able to find out my credit score. I recently sent in an application to Equifax to get my credit score along with all the security documents, proof of address, passport, drivers license, registered mail etc. and they rejected my application because I didn't provide a hydro bill. Unfortunately, I live in an apartment and I don't pay hydro, so I sent in a copy of t…

Same here.. I applied for a loan and they found that Equifax doesn't even have my report (although the other two do). After countless phone calls they agreed to start the investigation and then the hack happened. The whole concept of private credit bureaus (that to multiple ones whose data dont match up) is fucked up. I think the federal govt should step in an put a stop to this.

Re: Equihax

#36

Post by thephyber »

ryanlol wrote: post #32
heartbreak wrote: post #27

Earlier quoted context omitted.

Kanye is famously $53 million in debt, so it makes sense actually.

Being $53 million in debt seems like something that would result in you having an excellent credit score.

A credit score is a signal to potential _new_ creditors about how likely you are to be able to pay back _new_ debts. A factor in credit FairISAAC is the proportion of your outstanding revolving credit you are currently using (more being worse, above about 30%). It could be a sign that your income is unable to pay down your debt (becoming a runaway debt problem).

All to say that just because you've been able to convince creditors to loan you $53 million doesn't necessarily mean your credit is good.

Re: Equihax

#37

Post by astura »

EDIT: see philipodonnell's reply to this post for an alternative explanation. I may have jumped the gun.

As far as I know credit scores are not part of credit reports as they do not show up when you request your credit report. If they were storing "credit score" as part of your credit report but withholding that information when you request a copy that would seem to violate the Fair Credit Reporting Act.

It wouldn't really make sense to store a credit score with the report anyways, it would only make sense to generate it on the fly only when a lender requests it. I'm assuming that different creditors report credit information on different days so it would be changing every time a creditor submitted information on that person which would be multiple times a month for someone with multiple accounts. And if the credit score algorithm was updated they would have to recalculate the "credit score" field on the entire database! This wouldn't really make sense from a technical perspective.

Furthermore, there's not just one "credit score," there's different algorithms for coming up with a credit score. One creditor may request FICO 8 and another one may request VantageScore 3.0 on the same day. Then another comes by and wants FICO 5. So even if they saving a credit score in the database I wouldn't think that they would have a field labeled as a generic "credit score" without any qualifier. It would be "FICO 8 score" or whatever algorithm was used to generate the score.

There's also other problems, I don't have my Equifax report in front of me right now but credit bureaus store alternative/former names which aren't included here. Like for me my reported names are FirstName LastName; FirstName MiddleInital LastName; and FirstName MiddleName LastName. All because different creditors reported my name slightly differently. If you change your name (like Kim Kardashian did - she's Kim Kardashian West now) it would report both your former name(s) and current name(s). I don't see any indication that this sort of information is included.

Therefore I very seriously doubt the authenticity.

(From a technical perspective "pdf" is not a MIME type, the MIME type of PDF files is "application/pdf")

Re: Equihax

#38

Post by fractal618 »

robertelder wrote: post #28

Cool, this is good news as it means I might actually be able to find out my credit score. I recently sent in an application to Equifax to get my credit score along with all the security documents, proof of address, passport, drivers license, registered mail etc. and they rejected my application because I didn't provide a hydro bill. Unfortunately, I live in an apartment and I don't pay hydro, so I sent in a copy of t…

> Cool, this is good news as it means I might actually be able to find out my credit score.

Hahaha

Re: Equihax

#39

Post by pbourke »

robertelder wrote: post #28

Cool, this is good news as it means I might actually be able to find out my credit score. I recently sent in an application to Equifax to get my credit score along with all the security documents, proof of address, passport, drivers license, registered mail etc. and they rejected my application because I didn't provide a hydro bill. Unfortunately, I live in an apartment and I don't pay hydro, so I sent in a copy of t…

Score or report? You're entitled to a copy of your credit report annually from each credit bureau, but not the score.

I believe lenders typically use a score computed by s third party - often the "FICO Score," from Fair Isaac.

Re: Equihax

#40

Post by heartbreak »

ryanlol wrote: post #32
heartbreak wrote: post #27

Earlier quoted context omitted.

Kanye is famously $53 million in debt, so it makes sense actually.

Being $53 million in debt seems like something that would result in you having an excellent credit score.

I guess publicly begging Mark Zuckerburg for $50 million doesn’t get factored in, so you’re probably right.
Post reply on HN