Conduent Breach

Everyone should have a credit freeze at the the 3 major credit bureaus. You turn it off (temporarily) when you want to apply for new credit.

These breaches are inevitable. Companies have to have a 100% success rate at stopping them, that's not possible. The bad guys have to succeed just one time. Some of these bad actors are using exploits that are not publicly known, so they aren't even patched, and it's pretty darn hard to protect yourself from that.
 
Everyone should have a credit freeze at the the 3 major credit bureaus. You turn it off (temporarily) when you want to apply for new credit.

These breaches are inevitable. Companies have to have a 100% success rate at stopping them, that's not possible. The bad guys have to succeed just one time. Some of these bad actors are using exploits that are not publicly known, so they aren't even patched, and it's pretty darn hard to protect yourself from that.
Sometimes it's an employee..............
 
Sometimes it's an employee..............
I suspect that's what happened to me when I got hacked 8 years ago. The account was continuously compromised despite my not using the new card after receiving/activating it, and during the last conversation I had with the fraud department I suggested that if they check my history for the 18 months we'd been talking, it suggested an inside job to me. After that the issues stopped.
 
  • Wow
Reactions: Pew
They just laugh harder at us peons and serfs. It has happened. They had ONE job to do.
And then when there was a class action lawsuit they said the judgement was too much as it would put them out of business so the judge reduced it.
 
Count me in, also my mom. I never heard of the company before but evidently a 3rd party that the health insurer uses. I monitor my credit on my own, basically that's all everyone receives is credit monitoring free for a year which is not really a good tradeoff. They want you to get hooked so you'll end up keeping it.
 
I have one bank locked? How does one do the 3 monitoring companies.?

You can go into their websites, register for an account/login, and there will be options somewhere on their page to let you lock your credit with them. I highly recommend, the moment I froze mine was when all the preapproved spam mail went away.
 
Everyone should have a credit freeze at the the 3 major credit bureaus. You turn it off (temporarily) when you want to apply for new credit.

These breaches are inevitable. Companies have to have a 100% success rate at stopping them, that's not possible. The bad guys have to succeed just one time. Some of these bad actors are using exploits that are not publicly known, so they aren't even patched, and it's pretty darn hard to protect yourself from that.
I had very mixed luck with that. My wife and I put a credit freeze on ( I believe with Experian) due to fraud against us at the beginning of the Covid shutdown. Kind of forgot about it after the first year, and with no action on our part, financed part of a new car without even a peep from credit. On the other hand, we bought furniture about a year later, and they had a deal for financing, which we attempted. That got stopped by the credit outfits. So even with this, no guarantees. It makes sense, we aren't outright paying for the credit companies to put a hold on our credit, so there's no accountability to actually do it.
 
I'd note a fraud alert is different from a freeze. Fraud alerts are good for 90 days or 1 year.

It sounds like you had a fraud alert and then it expired?

If you only froze it at one bureau, that's a problem, and could explain why a loan was obtained with a freeze. Not all businesses offering credit pull from all 3. If they pulled from an unfrozen bureau, then they got your credit report.

https://www.experian.com/blogs/ask-...ence-between-a-credit-freeze-and-fraud-alert/
 
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