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Post by spicysalmonroll on Sept 8, 2017 7:15:44 GMT -6
I've had Lifelock for over 10 years because I got some promo code which never expired so I'm still paying less than half the normal rate. Honestly, I think they suck and I only keep it because I'm barely paying anything for it. I've never had any kind of alert from them in ten years. I've bought cars, houses, etc and no alerts double checking that it was me. My parents had them. My parents live in South Carolina. My dad co-signed on my house in MA and they sent no alert. The following year my mom co-signed on a house for my brother in MA and again no alert. You'd think that might flag something- hey you've bought 3 houses in different states in 3 years...?? My dad now raves about how great this other company is and how they alert him all the time at small items. I can't remember the name of it, waiting for him to text me back. ETA- ProtectmyID
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rvasc
Emerald
Posts: 14,421 Likes: 83,496
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Post by rvasc on Sept 8, 2017 7:17:35 GMT -6
Click on potential impact and the next page is where you enter your info. I didn't do it yet as I'm wondering if it's really safe. Mine did this as well- it was skipping part of it. rvasc try using a different browser. I got the same thing at home, but it worked when I did it at work this morning. Thanks. This did work. Both of us are impacted.
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KMW08
Silver
Posts: 458 Likes: 1,196
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Post by KMW08 on Sept 8, 2017 7:36:04 GMT -6
I've had Lifelock for over 10 years because I got some promo code which never expired so I'm still paying less than half the normal rate. Honestly, I think they suck and I only keep it because I'm barely paying anything for it. I've never had any kind of alert from them in ten years. I've bought cars, houses, etc and no alerts double checking that it was me. My parents had them. My parents live in South Carolina. My dad co-signed on my house in MA and they sent no alert. The following year my mom co-signed on a house for my brother in MA and again no alert. You'd think that might flag something- hey you've bought 3 houses in different states in 3 years...?? My dad now raves about how great this other company is and how they alert him all the time at small items. I can't remember the name of it, waiting for him to text me back.
I'm sure you've kept your account updated, but I only ever got emails from them (that was my preference). Everything was alerted to me (vehicles, kohls card, credit check when we refinanced, etc). I had them for a year as my works 3rd party payroll was breached and the company paid for it. That being said, I didn't renew as I wasn't overly impressed.
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Post by sudokufan on Sept 8, 2017 7:49:28 GMT -6
Welp. At least I have that free credit monitoring paid for by OPM, from the last time my personal info was breached. +whatever Sigh. Save
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bobyn
Diamond
local baby-making menace
Posts: 28,377 Likes: 169,375
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Post by bobyn on Sept 8, 2017 8:16:14 GMT -6
Well fuck. The website says DH and I both might have been effected.
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Post by goldenbird on Sept 8, 2017 8:38:56 GMT -6
I'm impacted. Bleh.
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Risscaboobs
Sapphire
Fuck is by far my favorite F word.
Posts: 2,971 Likes: 10,175
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Post by Risscaboobs on Sept 8, 2017 9:34:59 GMT -6
I was impacted. I can't enroll until 9/11 Same. Awesome.
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Post by Deleted on Sept 8, 2017 9:46:40 GMT -6
FYI to people who are thinking of signing up for the year of their TrustedID program. It has an arbitration clause that means you'd waive any right to sue them or get in on a class action lawsuit. You'd have to go to arbitration instead.
Not sure that people would care but it's in there and I think you should be aware before you sign up.
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cp3
Opal
Posts: 7,895 Likes: 34,435
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Post by cp3 on Sept 8, 2017 9:52:19 GMT -6
It said both MH and I may have been impacted. I think we may look into LifeLock instead of Equifax's program. I guess there is also wording in the terms of service that if you enroll in their program you waive being able to join a class action lawsuit.
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auburn
Sapphire
Posts: 3,558 Likes: 12,880
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Post by auburn on Sept 8, 2017 10:00:22 GMT -6
I checked me, DH, and my dad last night. None of us were affected, at least as far as it is telling us. I need to check my mother and get my brother to check today.
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sweptaway
Ruby
Posts: 24,954 Likes: 84,553
Member is Online
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Post by sweptaway on Sept 8, 2017 10:21:40 GMT -6
How do know if you were affected? I went to the website and got an enroll date of 9/13. Does that mean I was affected?
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Post by spicysalmonroll on Sept 8, 2017 10:54:48 GMT -6
HilarityEnsued, I just googled how to do that, it's $10 and you have to do it with each of the 3 reporting agencies. Seems like a good idea, I'm just wondering how urgent it might be if the breech happened months ago.
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Post by spicysalmonroll on Sept 8, 2017 11:15:29 GMT -6
HilarityEnsued , I just googled how to do that, it's $10 and you have to do it with each of the 3 reporting agencies. Seems like a good idea, I'm just wondering how urgent it might be if the breech happened months ago. I live in a state of having my credit frozen at all times, so to me it's really easy money to spend (it's only $3 each in my state). Basically, there is never a reason that anyone ever needs to have access to either my credit report or ability to open credit in my name on a whim, ever. So I just freeze my report with all bureaus and then temporarily "thaw" it when I need access to my credit, like when we were applying for a mortgage and when I bought a new car in May. Otherwise, it stays frozen forever. It doesn't prohibit you from using your credit cards or anything else, and it can't stop things like a collections account being posted ot your report, but it doesn't allow anyone to run your credit nor does it allow any new accounts to be open using your SSN. Wow that sounds like a great idea. I have my car and home and no plans on any new credit for anything so that seems like a win-win to protect yourself. Thanks
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Bluebird
Amethyst
Posts: 6,444 Likes: 22,421
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Post by Bluebird on Sept 8, 2017 11:16:17 GMT -6
I'm impacted. Can't enroll until 9/12. FUCK.
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Post by goldenbird on Sept 8, 2017 14:25:41 GMT -6
I think I will do as you suggest HilarityEnsued. I, and MH for that matter, don't need forsee needing any kind of loan or new line of credit for at least 3 years. There's no reason not to freeze it.
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Post by ldubhawksfan on Sept 8, 2017 14:33:00 GMT -6
I'm impacted. Can't enroll until 9/12. FUCK. Same. I wi see if that is why Capital One has confirmed purchases with wine twice this week. Now to remember how to check my credit report and learn to freeze it.
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Post by Deleted on Sept 8, 2017 14:33:00 GMT -6
I was impacted.
Just froze my reports.
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aprilz81
Platinum
Posts: 1,760 Likes: 4,025
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Post by aprilz81 on Sept 8, 2017 14:38:07 GMT -6
DH and and I both "may have been affected".
For those who WERE impacted is that the same phrase you got or did yours also say "may have been affected"
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aprilz81
Platinum
Posts: 1,760 Likes: 4,025
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Post by aprilz81 on Sept 8, 2017 14:41:23 GMT -6
And surprise surprise, the Equifax site to get your free credit check is down...
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kitchen
Gold
Posts: 928 Likes: 4,667
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Post by kitchen on Sept 9, 2017 9:05:15 GMT -6
Related newb question: good idea or bad idea to freeze the kids SSNs? Or best to add them to one of our credit card accounts so they have a credit history and then freeze? Can I freeze them if they've never had anything in their names?
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snowyowl
Amethyst
Posts: 6,897 Likes: 31,540
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Post by snowyowl on Sept 9, 2017 9:11:18 GMT -6
Sigh, me yes, DH no. So annoying. I think I'm just going to wait until my enrollment date and hope for the best?
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snowyowl
Amethyst
Posts: 6,897 Likes: 31,540
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Post by snowyowl on Sept 9, 2017 9:21:21 GMT -6
FYI to people who are thinking of signing up for the year of their TrustedID program. It has an arbitration clause that means you'd waive any right to sue them or get in on a class action lawsuit. You'd have to go to arbitration instead. Not sure that people would care but it's in there and I think you should be aware before you sign up. I read something about them releasing a statement saying this clause didn't apply to the data breach. But when I googled to find more this article suggests it is way more murky than that - www.washingtonpost.com/news/the-switch/wp/2017/09/08/what-to-know-before-you-check-equifaxs-data-breach-website/
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rvasc
Emerald
Posts: 14,421 Likes: 83,496
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Post by rvasc on Sept 9, 2017 9:25:55 GMT -6
You guys can check your credit reports today for free. You don't have to wait on these enrollment periods to see if something is amiss. Plus, if something is amiss before your enrollment, how would the bureaus even know? Also, just FYI, but the credit report monitoring can result in an avalanche of emails because your report is changing all the time. Whenever your credit card balance increases, it will email you. Whenever your score changes (which happens multiple times a month), it will email you. I found the inundation of information to be overwhelming and wading through the "noise" to get to what's important was tiresome. Check your reports today. Freeze your credit and then go from there. So I'm in the process of getting a mortgage. I'll email our loan officer, but I'm wondering if I should do anything.
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Risscaboobs
Sapphire
Fuck is by far my favorite F word.
Posts: 2,971 Likes: 10,175
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Post by Risscaboobs on Sept 9, 2017 9:49:08 GMT -6
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Post by justkeepmoving on Sept 9, 2017 19:50:35 GMT -6
I read on cnet that the equifax site to see if you're effected is crap. They put in random numbers and names and the system still gave them a response and date to sign up. Meaning the system is not checking a database.
This whole thing is so poorly handled.
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Post by misskilljoy on Sept 9, 2017 21:15:15 GMT -6
I read on cnet that the equifax site to see if you're effected is crap. They put in random numbers and names and the system still gave them a response and date to sign up. Meaning the system is not checking a database. This whole thing is so poorly handled. This is what we figured was happening when we accidentally put in incorrect information and it came back with 'you're not affected'. And Equifax Canada isn't talking, of course.
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Post by Deleted on Sept 9, 2017 21:20:03 GMT -6
Both DH and I "may have been affected" ¯\_(ツ)_/¯ my credit sucks so I am not worried. I told DH to freeze his credit since we won't be opening any lines of credit any time soon.
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Cher
Global Moderator
BMB, GD, Special Interests
Posts: 58,346 Likes: 443,355
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Post by Cher on Sept 9, 2017 22:21:15 GMT -6
I've had Lifelock for over 10 years because I got some promo code which never expired so I'm still paying less than half the normal rate. Honestly, I think they suck and I only keep it because I'm barely paying anything for it. I've never had any kind of alert from them in ten years. I've bought cars, houses, etc and no alerts double checking that it was me. My parents had them. My parents live in South Carolina. My dad co-signed on my house in MA and they sent no alert. The following year my mom co-signed on a house for my brother in MA and again no alert. You'd think that might flag something- hey you've bought 3 houses in different states in 3 years...?? My dad now raves about how great this other company is and how they alert him all the time at small items. I can't remember the name of it, waiting for him to text me back. ETA- ProtectmyID
This is really weird. I would check your settings. I have it so they only email me about my credit report once a month but they alert me about everything, even though I froze my credit. When I changed my last name on my bank account, they emailed me about that. When the people that stole my life tried to open another card, I called Lifelock and they handled it before handing it off to me. I opened an account with them after my shit was stolen and they made the cleanup a lot better.
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Cher
Global Moderator
BMB, GD, Special Interests
Posts: 58,346 Likes: 443,355
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Post by Cher on Sept 9, 2017 22:23:31 GMT -6
Related newb question: good idea or bad idea to freeze the kids SSNs? Or best to add them to one of our credit card accounts so they have a credit history and then freeze? Can I freeze them if they've never had anything in their names? The details are murky because I did this last year when I was locking down all of our credit but I believe I froze my kid's ssn. We plan to put a card in his name in a few years to build credit and freeze again. You can freeze even if they never had anything in their names, it's possible someone could take their social and attempt to open something.
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Post by spicysalmonroll on Sept 11, 2017 8:24:47 GMT -6
Cher, yea someone on another site also told me she got constant notifications so I need to call them and find out why I've never gotten one ever. You can open a card for a minor?? I thought they couldn't even be added to yours until 18?
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