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Equifax Breach Fallout: Your Salary History

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Re: Equifax Breach Fallout: Your Salary History

#131

Post by tzm »

dboreham wrote: post #123
matt_wulfeck wrote: post #6

> The service is designed to provide automated employment and income verification for prospective employers, and tens of thousands of companies report employee salary data to it. It sounds like companies can easily use this to collude against employee wages and benefits.

Is this actually true though? Lenders want to "verify employment" and I can imagine a service where big employers report who is working for them to an agency, allowing lenders to query the agency to check employment. What I doubt is that employers report salary data to Equifax. I'm an employer and I've never heard of this. I'm good friends with (well...married to) someone who worked in this field and tells me it is h…

In California, background verification includes salary history and included in a subsequent disclosure packet that's mailed to prospects.

Re: Equifax Breach Fallout: Your Salary History

#132

Post by skinnymuch »

joering2 wrote: post #103
Danihan wrote: post #81

Earlier quoted context omitted.

I have checked, and you're spreading misinformation. If you have checking accounts on there it's because you specifically added / linked them into their system, having bank accounts on there isn't a default. You have to go under "Track Spending" and manually add the accounts, including entering in the Username and Passwords for them. https://www.creditkarma.com/question/is-there-a-way-to-add-m...

You have paid membership account, yes?

What does your question mean? What paid membership?

Re: Equifax Breach Fallout: Your Salary History

#133

Post by Retric »

justifier wrote: post #57
Retric wrote: post #48

Earlier quoted context omitted.

Past pay is not directly a significant issue. It's just a question of getting competing offers. The real issue is some people suck at negotiation and past salaries will tell companies that.

If some people 'suck' at negotiating then that must mean there are others who are 'better' at negotiating If I have a guardian who pays my rent so that i can take 6months to high ball offers to finally find a job that will pay me a high wage does that mean I'm 'better' at negotiating?

Try not to think in the very short term. Finding a job at ~70% of the going rate for your field is not that hard.

Now at 70% a 10% raise might not seem like a huge deal as your still under market, but it only takes 7 of those to double your salary. And a 15-20% pay raise to jump to the next job is hardly unreasonable. Do those every ~3 years and you will massive difference inside a decade.

Remember, the median salary is just that people really do get paid more than it.

Re: Equifax Breach Fallout: Your Salary History

#134

Post by skinnymuch »

joering2 wrote: post #72
skinnymuch wrote: post #35

Earlier quoted context omitted.

Damn credit karma shows you all that? I don't think I've seen any place where it says how much I've paid for CCs or my bank accounts or my salary (not sure if that's just because it's self-employed/freelance income).

Its funny how people downvote without checking. Yes I can see every month how much I owe and how much I paid back. Month after month history. I sure also see my checking and savings accounts, from every bank (currently 2), with up to date (well, 7 days ago) status on how much money I have there. I don't know what else I can say? Screenshoots - no thank you.

So you added your own stuff? Then you're just talking about a system that is available in tons of services. Not a big deal. Nothing to do with credit bureaus.

Re: Equifax Breach Fallout: Your Salary History

#135

Post by brianwawok »

pfisch wrote: post #115
brianwawok wrote: post #59

Earlier quoted context omitted.

What stops you from taking the first job you find, and then spending 6 months while working looking for better jobs? It hardly is THAT hard to get some competing offers. And if you can't be bothered, I guess you don't really want it anyway?

Idk why you are getting downvoted, because you are obviously right.

I think some people want to be outraged.

Re: Equifax Breach Fallout: Your Salary History

#136

Post by brianwawok »

mjevans wrote: post #69
brianwawok wrote: post #59

Earlier quoted context omitted.

What stops you from taking the first job you find, and then spending 6 months while working looking for better jobs? It hardly is THAT hard to get some competing offers. And if you can't be bothered, I guess you don't really want it anyway?

Starting anything new is a drain on resources. Someone with time to focus on interviewing is bound to be better than someone with a new job they need to figure out. After all, it usually takes a few months to get anyone up to speed in a job, and this is assuming they're giving lots of effort. For existing jobs? Inertia is probably a factor there, as well as fear of the unknown. When you've got something to loose it's…

> Someone with time to focus on interviewing is bound to be better than someone with a new job they need to figure out

In my experience, that is not how it plays out.

Candidate A is living at home with his parents in some kind of GP paradise, able to give 100% of his time to interviewing.

Candidate B is working a stable but not fulfilling job, and interviewing on his lunch break / evening / morning to make it work.

Candidate B is going to be perceived as the higher value candidate, and all else being equal get more offers. Some of this is a value bias. You interview A and go "wow, he's not working now, I wonder what is wrong with him?"... you interview B and go "wow, he is a stable guy that can hold a job, he seems a slightly better fit".

Thinking that interviewing is some kind of magic trivia question that you need to devote full time study to is silly. Perhaps some jobs are like that, but I am not sure I would want to work there.

Re: Equifax Breach Fallout: Your Salary History

#137

Post by freehunter »

bognition wrote: post #122
freehunter wrote: post #107

Earlier quoted context omitted.

Luckily we already have 2fa implants. They're called retinas or fingerprints, to be used in conjunction with passwords. What you have, what you know, what you are. Those are the three factors. Passwords and fingerprints are two of them.

No actually those don't work for the same reason that SSNs don't work. You need the ability to change out your password or 2fa if it gets compromised. You can't change your fingerprints or retinas.

Then I don't think you understand the various "factors" of security. I'd advise you to re-read the last line of my post that you replied to where I explained them. "What you are" is a completely valid factor for 2fa, when combined with either "what you have" (a token) or "what you know" (a password).

People need to stop complaining about biometric security if they don't understand the basic concepts of security in the first place. Re-read my first post and this one, and if you're still confused, look into factors of security. Hopefully you can stop parroting this nonsense that fingerprints are not a valid factor in 2fa.

Re: Equifax Breach Fallout: Your Salary History

#138

Post by downrightmike »

toomuchtodo wrote: post #34
cityzen wrote: post #18

Earlier quoted context omitted.

Considering the $7.2 million contract the IRS just awarded Equifax in a no contest bid, I think we're definitely getting close! /s

If you have a better way to ensure knowledge based authentication continuity for all online IRS transactions until they switch providers, I'd love to hear it.

The IRS could just do automatic tax filing and we'd only file if we'd want to have them take something in account that they haven't. They already have all of this data, but companies that file taxes actively bribe congress.

Re: Equifax Breach Fallout: Your Salary History

#139

Post by winston_smith »

justifier wrote: post #101
winston_smith wrote: post #91

Earlier quoted context omitted.

> This sentiment signals bias While your sentiments are presumably bias-free?

I think everyone has bias, but I do think issues can be discussed without letting your biases supplant reason What I meant by signalling bias was I felt the gp was allowing bias about the issue cloud reasoning as to the nuance of the issue If my comment seemed to imply that I deny nuance then I failed to communicate my point Which was: sometimes pay is a result of other factors other than either a want or pure negoti…

> Which was: sometimes pay is a result of other factors other than either a want or pure negotiation

Thanks, I think that's a much better criticism of the original argument

Re: Equifax Breach Fallout: Your Salary History

#140

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