the motherload

Sep. 19th, 2017 08:39 pm
xoxomarina: ({ shoes } » red)
[personal profile] xoxomarina
In light of the Equifax security breach announced on September 7th, I strongly recommend placing credit freezes on the following:
  • Equifax: https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp (freeze is free until 11/21/2017)
    IMPORTANT: To anyone who had recently placed a security freeze on Equifax prior to 9/15/2017:
    If your PIN resembles this format, mmddyyhhmm, e.g. 0908172136 for September 8, 2017 at 9:36pm (i.e. time stamp of when you placed your freeze online), go online or call them right now and unfreeze it. Wait 15 minutes. You can then re-freeze online and get a totally randomly generated PIN that isn't of that previous format (EQ fixed their PINs to be much more secure).
  • Experian: https://www.experian.com/ncaconline/freeze (fees may apply; see below)
  • TransUnion: https://freeze.transunion.com/sf/securityFreeze/landingPage.jsp (fees may apply; see below)
  • Innovis: https://www.innovis.com/securityFreeze/index (FREE)
  • ChexSystems: https://www.chexsystems.com/web/chexsystems/consumerdebit/page/securityfreeze/placefreeze/ (FREE right now, though there's a PDF that says they reserve the right to charge the following fees)

    States I've been told you can freeze your EQ, EX, TU reports for FREE:
  • Colorado
  • Indiana
  • Maine
  • New Jersey
  • New York
  • North Carolina
  • South Carolina.

    IMPORTANT: I believe these four states automatically unfreeze your credit reports after 7 years: Kentucky, Nebraska, Pennsylvania, and South Dakota.

    Credit freeze fees by state,
  • according to Equifax: https://help.equifax.com/servlet/fileField?entityId=ka137000000DSDyAAO&field=attachment__body__s (though placing a freeze is currently FREE from 9/07/2017 to 11/21/2017)
  • according to Experian: https://www.experian.com/news/security-freeze.html
  • according to TransUnion: https://www.transunion.com/credit-freeze/credit-freeze-information-by-state
    Keep in mind fees could apply when thawing or lifting a freeze, and they vary by state.


    You should also pull all your credit reports (which you can do once every 12 months for FREE):
  • Equifax: https://www.annualcreditreport.com/
  • Experian: https://www.annualcreditreport.com/
  • TransUnion: https://www.annualcreditreport.com/
  • Innovis: https://www.innovis.com/creditReport/index
  • ChexSystems: https://www.chexsystems.com/web/chexsystems/consumerdebit/page/requestreports/consumerdisclosure/


    And opt out of pre-screened offers: https://www.optoutprescreen.com/


    You can also get a free monthly Experian credit report and Experian FICO Score 8: https://www.experian.com/consumer-products/free-credit-report.html
    Or an overview of your credit (not a full report) every month for free through Discover, which also includes your Experian FICO Score 8: https://www.creditscorecard.com/registration


    Credit card products that offer free FICO scores (from my personal experience):
  • If you have an American Express credit card, you can get your Experian FICO Score 8 every month for free.
  • If you have a Discover credit card or a Bank of America credit card, you can get your TransUnion FICO Score 8 every month for free.
  • If you have a Citi credit card, you can get your Equifax FICO Bankcard Score 8 every month for free (note: this is a different scoring model than the FICO Score 8).


    More on different FICO Score models here: http://www.myfico.com/credit-education/credit-score-versions/
    VantageScore model(s): https://your.vantagescore.com/interpret_scores



    Disclaimer: Any resources I've listed here are ones that I have personally utilized and verified. If you would like to add any other suggestions, feel free to do so in the comments.
  • Well, she's back

    Sep. 10th, 2017 01:00 pm
    lucymorningstar: (Blue)
    [personal profile] lucymorningstar
    Hello internet, it's good to see you again.

    It's been a stressful month or so - take moving house, combine it with computer problems and a short stay in hospital and oh it's nice to be sitting down on my couch, a cat next to me and just relaxing.

    I'm doing ok but I don't want to talk about it.

    New house is starting to feel like home. It's still new and a little weird and as strange as it sounds, it doesn't smell the same. Although in all fairness, I haven't really spent much time here but I'm hoping over the next week I'll start to settle in.

    J's been having great fun with some DIY projects and he's got quite the list of jobs he wants to get accomplished, big manchild with a toolbox that he is! We've also got some decorating to finish off so it's going to be busy couple of week especially with S starting her new job this month but it's also all very exciting and I'm looking forward to it.

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