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Equihax

krypt3ia.wordpress.com

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Re: Equihax

#161
post #42

I actually kinda hope all the data is made public, as that would (at least hopefully) force people to stop treating knowledge of someone's SSN as valid proof of identity, and lead to a better situation overall.

Mostly OT: A man who tattooed himself before the advent of Internet/online databases/Google

http://www.loc.gov/pictures/resource/fsa.8b15572/

Context:

> Bouk, Dan. How Our Days Became Numbered: Risk and the Rise of the Statistical Individual (pp. 232-233). University of Chicago Press. Kindle Edition.

> In the case of Lange’s unemployed lumber worker, we find a man who might have opted for a tattoo because it could identify him in the case of an accident. After all, he did dangerous work. Or, as he paid money into the Social Security system, he may have wanted to ensure he’d one day be able to redeem his annuity, that he would not forget his number. Neither explanation, however, encompasses his evident pride in his number, his willingness to show off for Lange (who undoubtedly encouraged him, maybe posed him).

> Was he proud to have been, as the New York Times had put it, a “holder” of a Social Security number? Possessing such a number meant a promise of future income, protection for himself, and— after the just-completed 1939 amendments that included expanded support for families— protection for his wife and future children against his old age or death. 76 Maybe he felt pride in the New Deal, in a government committed to him and his family, and advertised that pride on his bicep. Or perhaps, his tattoo displayed a workingman’s pride in his gender and class identities. Possessing such a number signaled his status as an industrial worker. Such status mattered in a bean-picking camp where most pickers had been excluded from eligibility for Social Security. Possessing an account set this unemployed lumber worker apart, probably even from his bean-picking wife.

Re: Equihax

#162
post #156

Earlier quoted context omitted.

Yes! It had a lot of index-less tables. The you put an index on something and everyone treats you like a magician after you convince them the additional write is worth it.

Or one of the developers deletes the index you've just added... because it uses too much disk space.

No, no, no! They get religion and put an index on every column.

Re: Equihax

#163
post #76

Earlier quoted context omitted.

Presumably first person to email gets the private address to buy, so if you're slow you'll have wasted 0.2BTC

They should have had you send a message signed with the source address of the 0.2 to their email.

I was going to say "Nobody would know how to do this" but in reality, it's probably a bit more like "Not enough people would know how to do this" and if they're taking increments of 0.2BTC, they're hoping or expecting to get some real volume.

Making it just hard enough that anyone with a Coinbase account and a credit card can't just do it without actually running a full node of their own, would probably be bad for business.

Re: Equihax

#164
post #114

Earlier quoted context omitted.

FYI, "FAKO" is VantageScore 3.0. It's colloquially called FAKO because 90% of lenders use some variation of FICO instead.

Regardless if it's FAKO or FICO score that you are looking at, they are calculated on the same credit history in your credit report (as far as I know). So, even if the scores are calculated in different ways it's reasonable to expect a high VantageScore 3.0 score will also show as a high FICO score too, even if the numbers aren't exact. Does anyone know the specific differences in how these two scores are calculated?

FICO is an acronym for Fair, Isaac, and Company. Their "FICO Score" is a piece of software that they make and sell. I'm sure the details are a little more complicated than I'm making it sound, but it's essentially software which is sold. Just like any software, there are different versions - and it's possible to get stuck on an old version if you don't pay for updates. There's FICO 98 (from 1998), FICO 04 (2004), FICO 8 (2008) and FICO 9 (2014). [1][2].

The FICO Software is a scoring engine which will produce an output based on the input you provide it. The three big credit bureaus collect data about you and feed it into the FICO Score software. Even if they all have the same version of the FICO software, because each bureau might have slightly different data on you, your score may be different from each one. Presumably, the FAKO companies also have the FICO Score software, but a much more limited set of data to feed into it - thus making the score less reliable to someone looking to issue you a loan (Big Bank).

At least, that is my understanding of how it works - admittedly, I may be mistaken and welcome corrections.

[1] https://en.wikipedia.org/wiki/Credit_score_in_the_United_Sta... [2] http://www.fico.com/en/02-02-2015-fico-makes-additional-fico...

Re: Equihax

#165

Earlier quoted context omitted.

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?

Well, I suppose you could always try applying for a credit card with the leaked info and seeing if you get approved!

Doesn't necessarily work. In my late teens I got confused about what my SSN actually was, and entered it wrong when opening a bank account / credit card. Worked fine.

I realized my mistake a few years later and went through quite the endeavor to fix it.

Re: Equihax

#166
post #112

Earlier quoted context omitted.

I consulted on a large healthcare data project with similar problems. Even "primary" keys were strings. Most tables had no indexes. (The developers routinely argued that they needed new servers with more RAM because they couldn't run multiple database queries at the same time. They already had 64 GB RAM.)

Yes! It had a lot of index-less tables. The you put an index on something and everyone treats you like a magician after you convince them the additional write is worth it.

Most days I worry I'm an imposter, but when I hear that there are groups of people running databases with no idea that indexes are a thing, I think maybe I should ask for a raise.

Re: Equihax

#167
post #56

In case anyone else is curious about any ongoing activity (none yet) at the listed addresses, and didn't feel like transcribing: https://blockchain.info/address/1KELNpR9ECN46QaNGxPhoJDL4iqa... https://etherscan.io/address/0x8D992F58f3887cCD72A14FE29aD22...

let us keep in mind that these balances can be inflated by the final recipients

Re: Equihax

#168

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…

If its only the score you want, cant you get that from creditkarma for free?

You can also get it for free from (at least) American Express and Discover if you have a credit card from them. I'm sure there are other card issuers that give it to you for free as well.

Re: Equihax

#169
post #114

Earlier quoted context omitted.

FYI, "FAKO" is VantageScore 3.0. It's colloquially called FAKO because 90% of lenders use some variation of FICO instead.

Regardless if it's FAKO or FICO score that you are looking at, they are calculated on the same credit history in your credit report (as far as I know). So, even if the scores are calculated in different ways it's reasonable to expect a high VantageScore 3.0 score will also show as a high FICO score too, even if the numbers aren't exact. Does anyone know the specific differences in how these two scores are calculated?

[deleted]

Re: Equihax

#170
post #99

Earlier quoted context omitted.

>Humans don't have an innate right to borrow money. It's a service provided by financial institutions for a fee. This would be fine, except those financial institutions get THEIR money from the fed discount window. If their service was entirely private, that would be one thing but having the government involved changes the concept of "rights", especially when the fed loans out money with the express reason that the b…

Their usage of the discount window has to be miniscule compared to customer deposits, no?

Over the last decade it's basically their only source of profit.
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