its free until the end of the month- Wed. You go on their website- Equifax.com, check to see if you were exposed by your last name and last 6 of your social and it tells you if your personal info was hacked.
Doesn't matter if it was or wasn't, you can freeze it for free.
They give you a pin number to unfreeze...to do that go to www.freeze.equifax.com
My wife and I both were hacked....but haven't been impacted.
He and I got to chatting and he referred to them as 'Eqiuifuked,' then went on to explain why, if your data had been breached, you were basically screwed for life.
Fortunately, neither I nor my bride were compromised by their failure to secure their data!
Hopefully there will be no problems for you and your Wife.
These three steps will dramatically increase your resilience to becoming a victim of Identity theft a financial losses.
Save money like crazy!
Yup, you need to temporarily unfreeze each account and then refreeze. All three accounts. So if you and your spouse or S.O. want to finance something, it will be a total of 120$ to unfreeze/freeze your accounts. Nice little racket from those that were supposed to safeguard our credit. We’re being scammed. Not sure if it’s from the “good” guys or the bad guys.
My client that does cyber security recommended a password keeper like iPass or through my internet security provider like Kaspersky- Pat what do you think?
My client has white hat hackers in his company that spend all day every day improving companies networks by hacking into them- one of the weakest links people and their weak passwords it seems.
FYI, Equifax has a disclaimer that they might charge a small fee for unlocking, varies according to their settlement with the gov. We get a free one year credit monitoring.
I now have to enter them myself each time I log in, which is a pain, but well worth it.
I didn't realize that two step verification is only valid for 90 days. So every 90 days one has to renew the two step. It seems to me this should be permanent unless specified otherwise. According to Equifax once the two step is put in place with one credit agency it automatically is applied with the other two.
Thanks for the heads up and reminder.
I am not familiar with that.
My career is in cybersecurity, so I'm very close to this topic. I'm also a victim of ID theft so have personal knowledge on how to manage your identify and finances once you are compromised. It's not the end of the world if you catch it fast. Time is of the essence when you are compromised. And we pretty much subscribe to the belief that everyone is already breached, you just don't know it yet because they haven't gotten around to you. Take control, and you'll be fine. Don't panic. It's manageable. But if you sit back and wait for financial institution and Norton Anti-virus to protect you then you're taking a gamble. Be smart. Criminals love clueless consumers, don't be one of them.
Virtually every financial site now supports two-factor authentication. I won't do business with one who does not.
He's our Chief Information Security Officer and we're a very large financial services firm.
We were the first company I ever saw to use Two-Factor security and it was at least two years before I saw it being used anywhere else.
I'm required to get audited by the state of Nevada every three years. My last one was almost two years ago. While the two auditors were here, I showed them our Duo-Security feature which we use to protect our client's information and data.
They were amazed! Even though they conduct multiple audits of businesses like ours every week, they'd never even heard of it, let alone seen a company have it.
Only in recent months have I seen any of the companies I personally use for banking, credit cards, loans, etc. implement Two-Factor security. USAA did it late last year and First Republic Bank did it as well about the same time.
That speaks very highly of Pat and of the importance Pat and his team place on protecting our clients' data.
I get approached weekly by other firms wanting me to change companies and I simply ignore them. Pat's dedication to always do the right thing for our clients is consistent with the way I've seen our company approach our business in the 42+ years I've been with them.
That's not only a great business model, it's the ONLY business model I would ever want to be a part of.
What keeps iPass from being breached? I worry about having all of my password information available at one location. I have the same reservations about Lifelock, but believe that it is an important service.
Isn't Kaspersky the company that the trump administration said we would no longer use on government computers? Do you worry about trusting a Russian company?
I am honestly asking these questions, not trying to cause trouble. As I get older, I worry about how technology keeps changing, we become more dependent on technology, companies, and people we do not know, and our ability to learn and keep up with it all diminishes.
As far as trusting PW vaults, you need to understand how encryption works. Take KEEPER, which is what I use. They use strong encryption on the data you store with them. When you create your master PW, it becomes the decryption key. So if someone hacked into KEEPER's infrastructure, they would be unable to see your data without knowing your password. Keeper can't even see it even though they own the infrastructure. But there are also two other controls they have, they will remember (fingerprint) your device and they offer 2-factor authentication if you access your vault from a machine not fingerprinted. If you turn on all 3 of those features, the chance of it being hacked - even if you fell for a Phishing email, is incredibly remote. So I trust it.
Lifelock is different. Their entire business model revolves around holding onto your PII and guarding against ID Theft. So their security controls are incredibly resilient. I trust them as well.
But, bottom line is everything you do online contains risk. If you want a risk-free environment then turn off your PC and never use financial institutions or give anyone your SSN. Obviously, that's not practical - so it's better to be informed and learn how to take reasonable measures to protect yourself. If you do the things I mentioned above, you will be so difficult to compromise that a bad actor will rapidly give up on you and move on to one of the millions of people who do basically nothing to protect themselves.
I trust you are correct. But that's not what they told me not all that long ago, probably because alerts, dark web monitoring, et.al. do not protect you from identity theft.
Those things only warn you you might become a victim.
My wife and I have been with Lifelock for the past few years and will continue to be so.
The only thing that will prevent ID theft is credit locks which were discussed above.
Could you give a quick overview how to use keeper?
I have downloaded it and would like to use it.
One question....how does one protect their master password from being compromised in Keeper?
This just now became available.
If one of the biggest information services (Equifax) can be breached, why not Carbonite?