Non-investing private finance points together with insurance coverage, credit score, actual property, taxes, employment and authorized points corresponding 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 massive three frozen together with Chex. These appear straightforward to undo once I wish to apply for brand spanking new playing cards or open new financial institution accounts.
I see from the reddit thread that Lexis Nexis might be purchased frozen and you may 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 wish to freeze or Decide out of LN if the method is tougher to undo once I wish to apply for stuff.
What can unhealthy 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 once I wish to store round for insurance coverage and the web system cannot use LN to confirm my identification. 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).
Whenever you uncover that you’re driving a useless horse, the perfect 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
Regardless of this, two extra practices are well-liked:One, receive an IP PIN from the IRS to stop somebody from submitting a return utilizing your SSN. There are blended opinions on this because it provides a slight inconvenience of creating positive you embody the IP PIN on the tax return.
A number of years in the past somebody did file a tax return towards 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 annually ever since. Ought to I attempt to swap the IP PIN mentioned right here?
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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
Regardless of this, two extra practices are well-liked:One, receive an IP PIN from the IRS to stop somebody from submitting a return utilizing your SSN. There are blended opinions on this because it provides a slight inconvenience of creating positive you embody the IP PIN on the tax return.
A number of years in the past somebody did file a tax return towards 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 annually 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?
Whenever you uncover that you’re driving a useless horse, the perfect 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 a number of the strongest knowledge privateness legal guidelines within the US. I am not an legal professional or somebody who actively follows this however perhaps the states could make one thing stick.
And agree in regards to the warning on the biometrics. One thing changeable like a passkey is a greater strategy if they are often tailored to extra use circumstances. Unsure having everybody carry round a bodily token is viable however perhaps they are going to 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 expertise. . .what’s an Enrolled Agent?
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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 expertise. . .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 Inside Income Service by both passing a three-part complete IRS check masking particular person and enterprise tax returns, or by means of expertise as a former IRS worker. Enrolled agent standing is the very best credential the IRS awards. People who receive this elite standing should adhere to moral requirements and full 72 hours of continuous schooling programs each three years.
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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, here 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 internet altogether??
Distributed methods just like the darkish internet or the web as an entire are deliberately designed on a paradigm to make them troublesome to take down. They’ve many hosts in lots of nations, going by means of layers of encryption and obfuscation. Taking down one hyperlink would not have a lot have an effect on on the entire system, and losses of a single node might be quickly adjusted for and healed.
The web is a basically 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 typically get caught, but it surely’s a small share of them as there is not wherever close to sufficient enforcement to deal with the move. The identical authorities who now desires 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 injury, it is a case for now not accepting them as a safety go.
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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 forestall 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-Cell.com or use the app to show this characteristic off. Please notice: To use Port Out Safety to your whole account, you will want to show it on for every line individually.
On a associated notice – 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’ll simply use it.
jaMichael wrote: ↑Mon Aug 12, 2024 3:47 pm
Agree with the SIM lock and IRS PIN recommendations. Additionally good: having a great password supervisor (1Password), utilizing a Google Voice quantity for 2FA, utilizing fictitious solutions for safety query, carefully 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 large three credit score reviews 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 checklist, really useful by zero_coupon, very useful (I believe I did every thing on the checklist apart from the one safety freeze that will have required placing private information within the mail):
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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 bought an alert of my ssn and previous e-mail deal with on the darkish internet. Odd factor was that the identify, deal with 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 bought a number of alerts about my SSN being on the darkish internet from the NPD breach. I used to be shocked, shocked, to see that many of the alerts had unhealthy knowledge together with two the place my SSN is related to completely different folks. 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 have 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.
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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 bought a PM from a discussion board member, which I’ll reply right here. The query is:Ìf I am understanding your publish proper, you suppose freezing all your credit score reviews is the perfect factor to do to guard your self from identification thieves and that the opposite measures are usually not essential?
1) I’m NOT a safety knowledgeable. (And at instances others have disagreed with issues I’ve mentioned casually within the discussion board). I AM NOT GIVING ADVICE. Nevertheless, I’ll quote some recommendation from Krebs On Security. A good friend of mine, who used to work for the Protection Intelligence Company, instructed 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, partially:
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 essential 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 key shopper reporting bureaus. Having a freeze in your recordsdata makes it a lot tougher for identification thieves to create new accounts in your identify, and it limits who can view your credit score info.
The primary purpose I like to recommend the freeze is that all the info ID thieves have to assume your identification is now broadly obtainable 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 folks.
However past that, there are quite a few cybercriminal companies that provide detailed background checks on shoppers, together with full SSNs. These companies are powered by compromised accounts at knowledge brokers that cater to personal investigators and regulation enforcement officers, and a few are actually totally automated through Telegram prompt message bots. That means, in the event you’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 Individuals 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 customers have 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 permits you to examine your credit score report as soon as every week without cost.
For those who haven’t achieved this shortly, now could be a wonderful time to order your recordsdata. To position a freeze, it’s essential to create an account at every of the three main reporting bureaus, Equifax, Experian and TransUnion. When you’ve established an account, it’s best to be capable of then view and freeze your credit score file. Dispute any inaccuracies you could discover. For those who spot errors, corresponding to random addresses and telephone numbers you don’t acknowledge, don’t ignore them: Identification theft and new account fraud are usually not issues that get simpler to unravel by letting them fester.
He does not imply doing the rest.
I am questioning, with all the knowledge on the market, how arduous 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 have got 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 bought a PM from a discussion board member, which I’ll reply right here. The query is:Ìf I am understanding your publish proper, you suppose freezing all your credit score reviews is the perfect factor to do to guard your self from identification thieves and that the opposite measures are usually not essential?
1) I’m NOT a safety knowledgeable. (And at instances others have disagreed with issues I’ve mentioned casually within the discussion board). I AM NOT GIVING ADVICE. Nevertheless, I’ll quote some recommendation from Krebs On Security. A good friend of mine, who used to work for the Protection Intelligence Company, instructed 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, partially:
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 essential 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 key shopper reporting bureaus. Having a freeze in your recordsdata makes it a lot tougher for identification thieves to create new accounts in your identify, and it limits who can view your credit score info.
The primary purpose I like to recommend the freeze is that all the info ID thieves have to assume your identification is now broadly obtainable 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 folks.
However past that, there are quite a few cybercriminal companies that provide detailed background checks on shoppers, together with full SSNs. These companies are powered by compromised accounts at knowledge brokers that cater to personal investigators and regulation enforcement officers, and a few are actually totally automated through Telegram prompt message bots. That means, in the event you’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 Individuals 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 customers have 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 permits you to examine your credit score report as soon as every week without cost.
For those who haven’t achieved this shortly, now could be a wonderful time to order your recordsdata. To position a freeze, it’s essential to create an account at every of the three main reporting bureaus, Equifax, Experian and TransUnion. When you’ve established an account, it’s best to be capable of then view and freeze your credit score file. Dispute any inaccuracies you could discover. For those who spot errors, corresponding to random addresses and telephone numbers you don’t acknowledge, don’t ignore them: Identification theft and new account fraud are usually not issues that get simpler to unravel by letting them fester.
He does not imply doing the rest.
I am questioning, with all the knowledge on the market, how arduous 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 have got about your self, unfreezing, after which opening new accounts.
That is what I’ve been most fearful about. In a great world it will be very arduous to do that, however poor safety at these corporations coupled with refined social engineering makes me suppose it’s very potential 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 practically each week. Companies have been purported to comply with finest practices for securing buyer knowledge. We thought sturdy password and 2FA was supposed to guard us solely to find that telephone numbers can themselves be compromised. In that means, right this moment we expect freezing credit score protects us. However we’ll quickly uncover it doesn’t. We simply should muddle alongside the perfect we are able to.
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. Unsure 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 fascinating 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’t 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 by means of Creditwise that’s provided by means of 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 internet……’
The addresses proven on the alert are my addresses from 20+ years in the past.
I monitor my credit score scores carefully 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 arduous or mushy inquiries are from my present cc corporations. Mortgate or financial institution / cc accounts look superb additionally.
Ought to I be involved? Ought to I Think about putting a credit score freeze or fraud alert?
Re: Creditwise – Dark Web Alert – Compromised SSN
Really in the event you look decrease within the thread checklist for this discussion board you’ll see a pair.
Regards |
Bob
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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. Unsure 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 fascinating 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’t 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 potential protection.
Maybe there really 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 really 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 suppose. They aren’t utilizing “Higher name Saul” kind, strip mall, ambulance chasing fits. I believe 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 price, I do all these items on-line.
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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 might say focusing in your SSA file, IRS file, and everify file take advantage of sense. On prime of putting a lock at utility and financial institution verification platforms corresponding to NCTUE and chexsystems. Sarcastically I might additionally say to decide out of lexisnexis too, however I consider the only signal on companies authorities companies are pushing for as of late, depends on this service for validation if I recall appropriately.
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
zero_coupon wrote: ↑Tue Sep 10, 2024 3:53 amIs the opt-out availabe to everybody? Or is it solely the freeze that’s obtainable to everybody?
Based on Reddit:
“Freezing and opting out of LexisNexis every have an effect on completely different datasets. LexisNexis maintains each [Fair Credit Reporting Act (FCRA)]-regulated knowledge and non-FCRA-regulated knowledge. Opting out of LexisNexis limits their sharing of non-FCRA-regulated knowledge about you however has no have an effect on on their sharing of FCRA-regulated knowledge about you. Freezing LexisNexis limits their sharing of FCRA-regulated knowledge about you however has no have an effect on on their sharing of non-FCRA-regulated knowledge about you. Some monetary establishments and insurance coverage corporations use solely one of many two, some use each, and a few use neither. Briefly opting again in to LexisNexis and quickly unfreezing LexisNexis are each potential and both one could also be essential relying on what the corporate you might be making use of at makes use of.” https://www.reddit.com/r/IdentityTheft/ … ?rdt=34373
I’ve achieved each a freeze and an opt-out. I have never tried unfreezing both.
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Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
Post
by zero_coupon »
jaMichael wrote: ↑Tue Sep 10, 2024 11:43 amzero_coupon wrote: ↑Tue Sep 10, 2024 3:53 amIs the opt-out availabe to everybody? Or is it solely the freeze that’s obtainable to everybody?
Based on Reddit:
“Freezing and opting out of LexisNexis every have an effect on completely different datasets. LexisNexis maintains each [Fair Credit Reporting Act (FCRA)]-regulated knowledge and non-FCRA-regulated knowledge. Opting out of LexisNexis limits their sharing of non-FCRA-regulated knowledge about you however has no have an effect on on their sharing of FCRA-regulated knowledge about you. Freezing LexisNexis limits their sharing of FCRA-regulated knowledge about you however has no have an effect on on their sharing of non-FCRA-regulated knowledge about you. Some monetary establishments and insurance coverage corporations use solely one of many two, some use each, and a few use neither. Briefly opting again in to LexisNexis and quickly unfreezing LexisNexis are each potential and both one could also be essential relying on what the corporate you might be making use of at makes use of.” https://www.reddit.com/r/IdentityTheft/ … ?rdt=34373
I’ve achieved each a freeze and an opt-out. I have never tried unfreezing both.
Thanks. I had the impression that opting out was restricted to ID theft victims.
Re: Hackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data
Each my husband and I are on the checklist. I can inform it was lifted from a credit score report as a result of there’s somebody with my identical maiden identify who had one entry on my credit score report 30+ years in the past. Have not been profitable getting it eliminated, though it was nothing unhealthy. As others have talked about, they should (however will not) have strict punishments towards corporations who play quick and unfastened with our knowledge. So as to add insult to damage, having your credit score monitored appears to simply add to their database of individuals they attempt to promote their merchandise to. Very irritating. We’ve got had our credit score frozen for over 8 years now. Will most likely get a pin from the IRS in January.