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  • FIRST POST
    • tenchy
    • By tenchy 8th Sep 17, 9:22 PM
    • 81Posts
    • 16Thanks
    tenchy
    Equifax hack
    • #1
    • 8th Sep 17, 9:22 PM
    Equifax hack 8th Sep 17 at 9:22 PM
    Oh dear. What's going on here - see Telegraph article on front page. One of the world' biggest hacks.


    Can we really trust our data with these companies?
Page 2
    • Destabilising
    • By Destabilising 12th Sep 17, 8:35 AM
    • 32 Posts
    • 21 Thanks
    Destabilising
    I vaguely remember reading that this was only for the USA. If a hacker wants our information that badly, they WILL get it one way or another. Nothing is 100% foolproof and safe. Fortunetly for me, though, if someone did try and take out credit in my name, well, good luck. If they were succesful, I'd love to know which company saw me as a viable candidate to be lent hahahahaha
    • Sledgehead
    • By Sledgehead 12th Sep 17, 10:53 AM
    • 111 Posts
    • 43 Thanks
    Sledgehead
    Fortunetly for me, though, if someone did try and take out credit in my name, well, good luck. If they were succesful, I'd love to know which company saw me as a viable candidate to be lent hahahahaha
    Originally posted by Destabilising
    Yeah, cos poor people are always left alone by criminals. NOT.

    Those who can be, will be used to run up debts.

    The rest - ID's like yours - to commit benefit fraud, or just as an ID to hide behind whilst doing something illegal, I dunno, drug dealing, trafficking, pimping, terrorism. Good luck with your next job interview after that!

    Still feeling lucky?
    • Sledgehead
    • By Sledgehead 12th Sep 17, 11:10 AM
    • 111 Posts
    • 43 Thanks
    Sledgehead
    Do you have any suggestions as to how this problem could be solved
    Originally posted by RG2015
    People say "what can we do?" as if this were hurricane Irma.

    Do they say the same about Brexit? No. They bleat. They moan. They protest. They bother their MP.

    So is this problem man-made, like Brexit, or and act of god, like Irma? And if you can answer that question, you know at least what you could do.

    But first you have to know how we got here. Then you'll see the trajectory. Then you'll have an idea where we are headed. And then you stand a better chance of demanding the right things from those who seek to run things.

    And then you'll realise that paying for your Starbucks via a contactless credit card is exactly what you don't want. And neither is a so-called consumer champion who touts 0% credit card deals all the time.
    • RG2015
    • By RG2015 12th Sep 17, 11:13 AM
    • 297 Posts
    • 106 Thanks
    RG2015
    And the more you think about it, the more you wonder why you should be expected to take on the responsibility of screening for ID fraud. Or for that matter monitoring your bank account.
    .
    Originally posted by Sledgehead
    Large entities like banks, CRAs, utility and insurance providers, HM Govt and its agencies etc. have a duty to protect our data. Generally they succeed but sometimes they fail.

    If anything goes wrong I would be the first to suffer so I will always take on the responsibility to screen for ID fraud, monitor my bank accounts and do everything possible to help keep myself safe.

    Yes, these organisations have a dreadful IT security record and attitude. But I will never trust them and even less sit back and rely upon them.
    • tomhass
    • By tomhass 12th Sep 17, 7:59 PM
    • 2 Posts
    • 2 Thanks
    tomhass
    Equifax login still not working
    Several days have passed and the login to the Equifax site still do not work for me.

    Anyone else able to login please ?

    ...also still no UK specific advice. This is beyond embarrassing. Each day that passed without transparent activity the organisation looks less and less credible.

    Equifax's Credit Score ? - ZERO - I would not lend them a fiver right now.


    Thanks

    tomhass
    • badmemory
    • By badmemory 13th Sep 17, 12:12 AM
    • 681 Posts
    • 668 Thanks
    badmemory
    Part of the problem re Equifax is that we have no choice. They have our records. We didn't choose to give them to them. They took them from our banks our ccs our power providers etc etc. My neighbours who wouldn't be able to use the internet at all, have their records on line via Equifax. I doubt they even know it though. Equifax have a responsibility to look after our data. In view of the quantity of our data they hold in one place they have even more responsibility than any one bank or other financial type institution. A breech as big as this appears to be should not just have them fined but shut down.
    • Sledgehead
    • By Sledgehead 13th Sep 17, 11:59 AM
    • 111 Posts
    • 43 Thanks
    Sledgehead
    Latest from the Information Commissioners Office, Wed 13th Noon
    Not a lot, essentially: - confirmed still 'looking in to matter' to no effect, unable to specify when they would know anything; - shared my frustration and concern that there is nothing meaningful to be done; - admitted that the general public were largely ignorant of the matter. They did suggest CIFAS, but admitted that coverage was not comprehensive and that any sensible criminal would avoid seeking to defraud you with CIFAS members. It would also be ineffective against use of ID theft to create false identities behind which criminals could operate (in your name - ie you could end up with a criminal record w/o your knowledge). So summing up, one word : "fooked".
    • Mee
    • By Mee 13th Sep 17, 12:05 PM
    • 912 Posts
    • 908 Thanks
    Mee
    Just discovered this - not sure where my head was at. FT two pence worth.

    ICO statement
    Reports of a significant data loss at US-based Equifax and the potential impact on some UK citizens gives us cause for concern. We are already in direct contact with Equifax to establish the facts including how many people in the UK have been affected and what kind of personal data may have been compromised.

    "We will be advising Equifax to alert affected UK customers at the earliest opportunity.

    "In cyber attack cases that cross borders the ICO is committed to working with relevant overseas authorities on behalf of UK citizens."
    Last edited by Mee; 13-09-2017 at 12:10 PM. Reason: additional links
    • RG2015
    • By RG2015 13th Sep 17, 1:37 PM
    • 297 Posts
    • 106 Thanks
    RG2015
    Do you have any suggestions as to how this problem could be solved
    Originally posted by RG2015
    People say "what can we do?" as if this were hurricane Irma.

    Do they say the same about Brexit? No. They bleat. They moan. They protest. They bother their MP.

    So is this problem man-made, like Brexit, or and act of god, like Irma? And if you can answer that question, you know at least what you could do.
    Originally posted by Sledgehead
    Just to clarify, is the suggestion here that we should bleat, moan, protest and bother our MPs?
    • Sledgehead
    • By Sledgehead 13th Sep 17, 2:57 PM
    • 111 Posts
    • 43 Thanks
    Sledgehead
    yes yes yes yes
    • Sledgehead
    • By Sledgehead 14th Sep 17, 5:34 PM
    • 111 Posts
    • 43 Thanks
    Sledgehead
    Equifax Confirms hack due to a vulnerability it left un-patched
    Equifax blamed the breach that compromised the personal information of 143 million people on an Apache vulnerability patched months before the hack occurred. The vulnerability in question, Apache Struts CVE-2017-5638, was patched in March. The breach started in May.
    This disclosure implies that Equifax failed to address a critical vulnerability several months after a patch was made available.
    http://www.tomshardware.com/news/equifax-blames-hack-patched-vulnerability,35454.html

    Meanwhile a leading Democrat senator has likened the incident to Enron.

    And we all know waht happened to them ....

    ... but ClearScore are "unaffected". Sure.
    • Sledgehead
    • By Sledgehead 16th Sep 17, 12:00 PM
    • 111 Posts
    • 43 Thanks
    Sledgehead
    Update: 16/09/2017
    Impact on UK customers cut from 44m to 44k:

    Equifax hack puts data of 400,000 UK customers at risk

    ... a file containing UK consumer information “may potentially have been accessed”.

    The data includes names, dates of birth, email addresses and telephone numbers, but does not contain postal addresses, passwords or financial information.

    [Equifax] said it would contact [those affected] in writing to offer advice and a free identity protection service to monitor their personal information and data.
    Last edited by Sledgehead; 16-09-2017 at 12:34 PM.
    • badmemory
    • By badmemory 16th Sep 17, 2:18 PM
    • 681 Posts
    • 668 Thanks
    badmemory
    Well 44k sounds a lot better than 44m. Trouble is it has taken them so long to admit anything can we actually believe them? A company whose management thinks it is alright to insider trade is not one I would place any faith in!
    • Sledgehead
    • By Sledgehead 16th Sep 17, 6:34 PM
    • 111 Posts
    • 43 Thanks
    Sledgehead
    I suppose the real solution is to only buy what you can afford to pay outright for. That way you would not need a credit file.

    But look at the direction of travel. People are using credit for smaller and smaller purchases, simply cos they have fewer and fewer savings.

    First buying houses outright became a rarity. Now it's cars and mobile phones. Even computers are being rented out with broadband contracts.

    Moreover, increasing consumer rights have made service companies ever more cautious about entering into contracts. You'll probably be credit checked by your utility company, simply because they know they can't simply cut off your supply when you've used up all the money you paid them.
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