- Apr 15, 2010
Yeah it is pretty stupid. I had more security questions for logging into my college class online material than I do bank account info.
Originally Posted By: Drew99GT
The problem I see with a credit freeze is hackers can still get your pin to unfreeze your credit and change your information! I basically just did that on the Equifax website; as long as you provide your personal information/SSN, you can get the pin. It's really stupid. You should be able to provide your own security questions and your own pin to even get access to your account. That is how I set up my Capital One Credit Card after I got hacked and someone tried changing my address/phone numbers etc. on my account. Now in order to do that stuff, you have to know my personal pin and it can't be given out just with personal info. You have to know the pin to get to the personal info.
Originally Posted By: LoneRanger
Just checked my Password Vault (offline local file, backed up to two diff medias) and the PIN to my Equifax Freeze is ten digits. I can't see them cracking a 10 digit PIN, or spending the effort to do so when they have 100 million+ unlocked and ready to go credit files. I would log onto Equifax and change it or request a new one but I don't trust in their security situation at the moment. Suppose I'll instead rely on the hackers paying more attention first and probably for a while, to credit files that aren't locked.