Non-investing private finance points together with insurance coverage, credit score, actual property, taxes, employment and authorized points comparable to trusts and wills.
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
This reddit hyperlink was linked within the feedback to that article
https://www.reddit.com/r/IdentityTheft/ … eports_is/
I’ve the large three frozen together with Chex. These appear straightforward to undo after I need to apply for brand spanking new playing cards or open new financial institution accounts.
I see from the reddit thread that Lexis Nexis may be purchased frozen and you’ll opt-out. I briefly seemed on the decide out hyperlink and LN warns that it will probably mess up stuff like insurance coverage quotes or different stuff that makes use of these LN questions I’ve seen earlier than pop up.
I am undecided if I need to freeze or Choose out of LN if the method is more durable to undo after I need to apply for stuff.
What can dangerous actors do with LN if I’ve TransUnion, Equifax, Experian and Chex methods frozen?
Est:
I went forward wit opting out and freezing it. We’ll see if I remorse doing it after I need to store round for insurance coverage and the web system cannot use LN to confirm my id. The freezing seemed simpler to undo by simply importing ID and filling out kind (identical course of to lock it).
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
anoop wrote: ↑Mon Aug 19, 2024 8:00 pmAt this level there’s not a lot left to be leaked. I’m very cautious giving out private information and I used to be affected by this breach and have been a sufferer of ID theft. Even my well being data have been breached. I simply hope we don’t transition to a biometric system as a result of when that leaks it’s going to get enjoyable.
Additionally unclear to me below what regulation they get fines imposed (within the US).
Once you uncover that you’re using a useless horse, one of the best technique is to dismount.
Re: Hackers leak 27 billion data records with SS numbers. National Public Data
jebmke wrote: ↑Mon Aug 12, 2024 2:51 pm
No matter this, two extra practices are widespread:One, get hold of an IP PIN from the IRS to stop somebody from submitting a return utilizing your SSN. There are combined opinions on this because it provides a slight inconvenience of creating positive you embrace the IP PIN on the tax return.
A number of years in the past somebody did file a tax return in opposition to my SS quantity. The IRS issued two 5-digit codes, one for my SS# and one for my partner’s. I have been required to enter those self same two codes every year ever since. Ought to I attempt to swap the IP PIN mentioned right here?
Whereas the moments do summersaults into eternity |
Cling to their coattails and beg them to remain – Townes Van Zandt
Re: Hackers leak 27 billion data records with SS numbers. National Public Data
JPH wrote: ↑Tue Aug 20, 2024 10:04 amjebmke wrote: ↑Mon Aug 12, 2024 2:51 pm
No matter this, two extra practices are widespread:One, get hold of an IP PIN from the IRS to stop somebody from submitting a return utilizing your SSN. There are combined opinions on this because it provides a slight inconvenience of creating positive you embrace the IP PIN on the tax return.
A number of years in the past somebody did file a tax return in opposition to my SS quantity. The IRS issued two 5-digit codes, one for my SS# and one for my partner’s. I have been required to enter those self same two codes every year ever since. Ought to I attempt to swap the IP PIN mentioned right here?
I believe that IS the IP PIN. They need to be sending you a brand new PIN yearly — are they not?
Once you uncover that you’re using a useless horse, one of the best technique is to dismount.
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
jebmke wrote: ↑Tue Aug 20, 2024 6:02 amanoop wrote: ↑Mon Aug 19, 2024 8:00 pmAt this level there’s not a lot left to be leaked. I’m very cautious giving out private information and I used to be affected by this breach and have been a sufferer of ID theft. Even my well being data have been breached. I simply hope we don’t transition to a biometric system as a result of when that leaks it’s going to get enjoyable.
Additionally unclear to me below what regulation they get fines imposed (within the US).
California has among the strongest knowledge privateness legal guidelines within the US. I am not an lawyer or somebody who actively follows this however perhaps the states could make one thing stick.
And agree concerning the warning on the biometrics. One thing changeable like a passkey is a greater method if they are often tailored to extra use instances. Undecided having everybody carry round a bodily token is viable however perhaps they may finally be implanted (and programmable). Spooky, however could also be higher than options.
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
Sure, that is the one. It has by no means modified. I’ve the 2 numbers written down on the within of the file folder the place I preserve my tax information for the current 12 months.
Whereas the moments do summersaults into eternity |
Cling to their coattails and beg them to remain – Townes Van Zandt
Re: Hackers leak 27 billion data records with SS numbers. National Public Data
jebmke wrote: ↑Tue Aug 20, 2024 10:40 ambmelikia wrote: ↑Tue Aug 20, 2024 10:36 amSilentnight wrote: ↑Mon Aug 12, 2024 9:19 pm
Re: IRS suggestion
–I take advantage of an EA who then recordsdata the taxes for me. Would your suggestion work with an EA doing the taxes?What’s an EA? An accountant?
Enrolled Agent
Additional displaying my lack of information. . .what’s an Enrolled Agent?
“I might slightly die with cash, than stay with out it….” – Bogleheads member Ron |
|
A time to EVALUATE your jitters https://www.bogleheads.org/discussion board/viewtopic.php?p=1139732#p1139732
- Web site Admin
- Posts: 98611
- Joined: Sat Dec 20, 2008 4:34 pm
- Location: Philadelphia
- Contact:
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
bmelikia wrote: ↑Tue Aug 20, 2024 11:06 amjebmke wrote: ↑Tue Aug 20, 2024 10:40 ambmelikia wrote: ↑Tue Aug 20, 2024 10:36 amSilentnight wrote: ↑Mon Aug 12, 2024 9:19 pm
Re: IRS suggestion
–I take advantage of an EA who then recordsdata the taxes for me. Would your suggestion work with an EA doing the taxes?What’s an EA? An accountant?
Enrolled Agent
Additional displaying my lack of information. . .what’s an Enrolled Agent?
From: Enrolled agent information | Internal Revenue Service
An enrolled agent is an individual who has earned the privilege of representing taxpayers earlier than the Inner Income Service by both passing a three-part complete IRS take a look at protecting particular person and enterprise tax returns, or via expertise as a former IRS worker. Enrolled agent standing is the best credential the IRS awards. People who get hold of this elite standing should adhere to moral requirements and full 72 hours of constant schooling programs each three years.
- Posts: 1847
- Joined: Tue Feb 07, 2017 8:08 am
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
Post
by homebuyer6426 »
Lawrence of Suburbia wrote: ↑Tue Aug 20, 2024 2:40 pm
Okay, this is what I have been questioning — why hasn’t the federal government ordered its prime hackers to take down these darkish websites with our knowledge on them? Or the darkish net altogether??
Distributed methods just like the darkish net or the web as an entire are deliberately designed on a paradigm to make them tough to take down. They’ve many hosts in lots of nations, going via layers of encryption and obfuscation. Taking down one hyperlink does not have a lot have an effect on on the entire system, and losses of a single node may be quickly adjusted for and healed.
The web is a essentially freer system than something that got here earlier than it, with all of the positives and negatives that come together with elevated freedom.
Individuals who leak knowledge do generally get caught, but it surely’s a small share of them as there is not anyplace close to sufficient enforcement to deal with the move. The identical authorities who now needs to take down hackers is the one who constructed a lot of the very methods that they function in.
If merely having an individual’s social safety quantity is sufficient to trigger harm, it is a case for not accepting them as a safety cross.
43% Complete Inventory Market | 53% Client Staples | 4% Brief Time period Reserves
Re: Hackers leak 27 billion data records with SS numbers. National Public Data
Is SIM lock the identical as Port out safety? TMo Port out safety description…
This free characteristic provides further safety to your account to assist stop unauthorized customers from transferring your quantity to different service suppliers. For added safety, solely the Major Account Holder (PAH) can take away the characteristic. The PAH might want to go to T-Cellular.com or use the app to show this characteristic off. Please word: To use Port Out Safety to your complete account, you will want to show it on for every line individually.
On a associated word – I might not advocate utilizing GV for 2FA particularly since many banking websites do not permit GV numbers for use for 2FA and if that e mail is compromised, they will simply use it.
jaMichael wrote: ↑Mon Aug 12, 2024 3:47 pm
Agree with the SIM lock and IRS PIN ideas. Additionally good: having a superb password supervisor (1Password), utilizing a Google Voice quantity for 2FA, utilizing fictitious solutions for safety query, intently monitoring monetary accounts (flip alerts on, clearly), changing debit playing cards with ATM playing cards, locking debit playing cards, treating all unsolicited emails, texts, and telephone calls as phishing enterprises, checking free huge three credit score stories periodically, avoiding paper checks within the mail or writing them from a secondary account, keep away from accessing monetary accounts on public computer systems or public WiFi, and make your e mail safe. I discovered this listing, really helpful by zero_coupon, very useful (I believe I did the whole lot on the listing apart from the one safety freeze that might have required placing private information within the mail):
- Posts: 32
- Joined: Fri Mar 08, 2019 9:54 pm
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
Post
by Hitchcock_Fan »
runner26 wrote: ↑Thu Aug 15, 2024 9:37 pm
It as on the time of this hack that I acquired an alert of my ssn and previous e mail handle on the darkish net. Odd factor was that the identify, handle and telephone quantity related to the entry was for some else on the alternative coast. I learn that knowledge from this hack wasn’t neccesarily correct. I fell safer with the miss match.
I simply acquired a number of alerts about my SSN being on the darkish net from the NPD breach. I used to be shocked, shocked, to see that a lot of the alerts had dangerous knowledge together with two the place my SSN is related to completely different individuals. I filed a fraud alert with Experian. Supposedly Experian will ship it to the opposite credit score bureaus.
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
Call_Me_Op wrote: ↑Mon Sep 02, 2024 9:56 am
Can somebody clarify the benefit of a fraud alert when you have already got your credit score frozen?
Private expertise proves that fraud alerts are ineffective. Many fraudulent accounts had been opened whereas my spouse’s credit score was flagged with fraud alerts. It did not gradual issues down one bit! Freezing her credit score ended the assault on her credit score.
Impassive, prognostication free investing. Ignoring the noise and economists since 1979. Getting wealthy off of “good individuals’s” behavioral errors.
- Posts: 210
- Joined: Solar Jul 12, 2020 8:13 pm
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
Post
by Uncle Morris »
nisiprius wrote: ↑Solar Aug 18, 2024 1:15 pm
I acquired a PM from a discussion board member, which I’ll reply right here. The query is:Ìf I am understanding your submit proper, you assume freezing your entire credit score stories is one of the best factor to do to guard your self from id thieves and that the opposite measures aren’t mandatory?
1) I’m NOT a safety skilled. (And at occasions others have disagreed with issues I’ve stated casually within the discussion board). I AM NOT GIVING ADVICE. Nonetheless, I’ll quote some recommendation from Krebs On Security. A pal of mine, who used to work for the Protection Intelligence Company, advised me that she respects Krebs On Safety and recommends it as a useful resource for laypeople with an curiosity in cybersecurity matters.
2) Krebs On Security has an extended report on the Nationwide Public Information breach.
Krebs says, partly:
WHAT SHOULD YOU DO?Must you fear that your SSN and different private knowledge is likely to be uncovered on this breach? That isn’t mandatory for individuals who’ve been following the recommendation right here for years, which is to freeze one’s credit score file at every of the foremost shopper reporting bureaus. Having a freeze in your recordsdata makes it a lot more durable for id thieves to create new accounts in your identify, and it limits who can view your credit score data.
The principle purpose I like to recommend the freeze is that the entire data ID thieves must assume your id is now broadly accessible from a number of sources, due to the multiplicity of information breaches we’ve seen involving SSN knowledge and different key static knowledge factors about individuals.
However past that, there are quite a few cybercriminal companies that provide detailed background checks on customers, together with full SSNs. These companies are powered by compromised accounts at knowledge brokers that cater to personal investigators and legislation enforcement officers, and a few are actually totally automated through Telegram instantaneous message bots. Which means, if you happen to’re an American who hasn’t frozen their credit score recordsdata and also you haven’t but skilled some type of new account fraud, the ID thieves most likely simply haven’t gotten round to you but.
All People are additionally entitled to acquire a free copy of their credit score report weekly from every of the three main credit score bureaus. It was that buyers had been allowed one free report from every of the bureaus yearly, however in October 2023 the Federal Commerce Fee introduced the bureaus had completely prolonged a program that allows you to examine your credit score report as soon as per week free of charge.
Should you haven’t performed this shortly, now could be a wonderful time to order your recordsdata. To position a freeze, it’s good to create an account at every of the three main reporting bureaus, Equifax, Experian and TransUnion. When you’ve established an account, you need to be capable of then view and freeze your credit score file. Dispute any inaccuracies it’s possible you’ll discover. Should you spot errors, comparable to random addresses and telephone numbers you don’t acknowledge, don’t ignore them: Identification theft and new account fraud aren’t issues that get simpler to resolve by letting them fester.
He doesn’t mean doing the rest.
I am questioning, with all the data on the market, how onerous it’s for evildoers to get into your recordsdata on the credit score bureaus by clicking Forgot Password after which supplying extra knowledge than you may have about your self, unfreezing, after which opening new accounts.
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
Uncle Morris wrote: ↑Mon Sep 02, 2024 10:27 amnisiprius wrote: ↑Solar Aug 18, 2024 1:15 pm
I acquired a PM from a discussion board member, which I’ll reply right here. The query is:Ìf I am understanding your submit proper, you assume freezing your entire credit score stories is one of the best factor to do to guard your self from id thieves and that the opposite measures aren’t mandatory?
1) I’m NOT a safety skilled. (And at occasions others have disagreed with issues I’ve stated casually within the discussion board). I AM NOT GIVING ADVICE. Nonetheless, I’ll quote some recommendation from Krebs On Security. A pal of mine, who used to work for the Protection Intelligence Company, advised me that she respects Krebs On Safety and recommends it as a useful resource for laypeople with an curiosity in cybersecurity matters.
2) Krebs On Security has an extended report on the Nationwide Public Information breach.
Krebs says, partly:
WHAT SHOULD YOU DO?Must you fear that your SSN and different private knowledge is likely to be uncovered on this breach? That isn’t mandatory for individuals who’ve been following the recommendation right here for years, which is to freeze one’s credit score file at every of the foremost shopper reporting bureaus. Having a freeze in your recordsdata makes it a lot more durable for id thieves to create new accounts in your identify, and it limits who can view your credit score data.
The principle purpose I like to recommend the freeze is that the entire data ID thieves must assume your id is now broadly accessible from a number of sources, due to the multiplicity of information breaches we’ve seen involving SSN knowledge and different key static knowledge factors about individuals.
However past that, there are quite a few cybercriminal companies that provide detailed background checks on customers, together with full SSNs. These companies are powered by compromised accounts at knowledge brokers that cater to personal investigators and legislation enforcement officers, and a few are actually totally automated through Telegram instantaneous message bots. Which means, if you happen to’re an American who hasn’t frozen their credit score recordsdata and also you haven’t but skilled some type of new account fraud, the ID thieves most likely simply haven’t gotten round to you but.
All People are additionally entitled to acquire a free copy of their credit score report weekly from every of the three main credit score bureaus. It was that buyers had been allowed one free report from every of the bureaus yearly, however in October 2023 the Federal Commerce Fee introduced the bureaus had completely prolonged a program that allows you to examine your credit score report as soon as per week free of charge.
Should you haven’t performed this shortly, now could be a wonderful time to order your recordsdata. To position a freeze, it’s good to create an account at every of the three main reporting bureaus, Equifax, Experian and TransUnion. When you’ve established an account, you need to be capable of then view and freeze your credit score file. Dispute any inaccuracies it’s possible you’ll discover. Should you spot errors, comparable to random addresses and telephone numbers you don’t acknowledge, don’t ignore them: Identification theft and new account fraud aren’t issues that get simpler to resolve by letting them fester.
He doesn’t mean doing the rest.
I am questioning, with all the data on the market, how onerous it’s for evildoers to get into your recordsdata on the credit score bureaus by clicking Forgot Password after which supplying extra knowledge than you may have about your self, unfreezing, after which opening new accounts.
That is what I’ve been most nervous about. In a really perfect world it will be very onerous to do that, however poor safety at these firms coupled with subtle social engineering makes me assume it’s very attainable for a decided attacker to interrupt in. At this level, we’re simply placing locks on the doorways however there’s no telling if there’s a backdoor that we aren’t even conscious of.
We simply have to attend till we begin seeing tales of individuals with frozen credit score having their IDs stolen and used.
We by no means thought we’d see a day when there have been massive scale breaches being reported almost each week. Companies had been purported to comply with finest practices for securing buyer knowledge. We thought robust password and 2FA was supposed to guard us solely to find that telephone numbers can themselves be compromised. In that method, at the moment we expect freezing credit score protects us. However we are going to quickly uncover it doesn’t. We simply must muddle alongside one of the best we will.
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
zero_coupon wrote: ↑Mon Sep 02, 2024 12:00 am
Certain. Undecided what to make of the advice to freeze Experian by mail or telephone (not on-line), in order to keep away from their arbitration settlement. I ponder if that is correct.
I believe it is attention-grabbing however did you see Disney initially tried to depend on this in a wrongful loss of life case… I imply WOW…
Beforehand, Walt Disney Parks and Resorts had argued in court docket paperwork that the widower’s Disney+ streaming service contract means he can not sue for the alleged wrongful loss of life of his spouse.
|
Rob |
Its a harmful enterprise going out your entrance door. – J.R.R.Tolkien
Creditwise – Dark Web Alert – Compromised SSN
Buddies,
I get Credit score and Identification alerts via Creditwise that’s supplied via my Credit score Card firm.
I see 5-6 alerts that say ‘Darkish Internet Alert’ Compromised SSN. Once I click on on it, it reveals ‘CreditWise discovered your SSN compromised on the darkish net……’
The addresses proven on the alert are my addresses from 20+ years in the past.
I monitor my credit score scores intently and observe my bills. I’ve not discovered something to point that there’s any apparent signal of ID theft or expenses that I do not acknowledge.
I’ve checked my Annual Credit score Report.com and have discovered nothing that’s suspicious. All onerous or smooth inquiries are from my present cc firms. Mortgate or financial institution / cc accounts look nice additionally.
Ought to I be involved? Ought to I Think about inserting a credit score freeze or fraud alert?
Re: Creditwise – Dark Web Alert – Compromised SSN
Truly if you happen to look decrease within the thread listing for this discussion board you’ll see a pair.
Regards |
Bob
- Posts: 877
- Joined: Solar Jun 05, 2022 5:26 am
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
Post
by zero_coupon »
rob wrote: ↑Mon Sep 02, 2024 10:39 amzero_coupon wrote: ↑Mon Sep 02, 2024 12:00 am
Certain. Undecided what to make of the advice to freeze Experian by mail or telephone (not on-line), in order to keep away from their arbitration settlement. I ponder if that is correct.I believe it is attention-grabbing however did you see Disney initially tried to depend on this in a wrongful loss of life case… I imply WOW…
Beforehand, Walt Disney Parks and Resorts had argued in court docket paperwork that the widower’s Disney+ streaming service contract means he can not sue for the alleged wrongful loss of life of his spouse.
Sure, I had heard about that. I reckon company attorneys will scrounge for any attainable protection.
Maybe there truly is a bonus to freezing Experian through telephone/mail as suggested within the Reddit thread?
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
zero_coupon wrote: ↑Mon Sep 02, 2024 9:30 pmMaybe there truly is a bonus to freezing Experian through telephone/mail as suggested within the Reddit thread?
I do not know and it will take an unlimited quantity of paranoia to keep away from random web-site aberration clauses because of this… however Disney tried it for a critical suite defence, so I actually do not know what to assume. They don’t seem to be utilizing “Higher name Saul” sort, strip mall, ambulance chasing fits. I think you would need to decide into that very same arbitration over the telephone anyway as they won’t have completely different contracts a technique vs the opposite.
For what it is value, I do all these items on-line.
|
Rob |
Its a harmful enterprise going out your entrance door. – J.R.R.Tolkien
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
I would say focusing in your SSA file, IRS file, and everify file take advantage of sense. On prime of inserting a lock at utility and financial institution verification platforms comparable to NCTUE and chexsystems. Mockingly I might additionally say to decide out of lexisnexis too, however I imagine the only signal on companies authorities companies are pushing for today, depends on this service for validation if I recall accurately.