Paying for credit monitoring 2 companies

[XanaDUer2]

Thank God bc the 2nd one caught the national breach. I'm paying $15/mo and didn't get the notifications which failed to be sent on the 15th. Just got off the phone and claims the overwhelming volume meant I didn't get the emails warning me.

What am I paying for? I'm so glad I kept the 2nd company.

Anyone else having data breaches,?

[hlthe2b]

1. I'd be willing to bet I know the first company. What's your second?

I knew about the breach from the news before The big "N" (or "LL" if you so choose) even thought about maybe one day, some day, getting around to it.

[hedda_foil]

2. Xana, you're being ripped off.

At this point everyone's data has been breached multiple times. There are several FREE credit monitoring services that notify you by email when there's a breach. Credit Karma and Credit Sesame are two of them. They notify you of all breaches and also when there's a change in your credit report with two of the three credit ranking companies. I found out the day a card was opened in my name and canceled it the same day. They also give you the information needed to block access to your accounts so you're not the victim of fraud.

[XanaDUer2]

3. I froze my credit and put fraud alerts

On them. I'm annoyed that now emails are failing when i need them most. They saw three that failed on the 15th.

[Lulu KC]

4. I'm pretty sure we're all breached at this point

I check the credit reports on the free service through the government periodically and haven’t seen anything odd in credit applications, but two credit card companies and the phone company (Verizon) have caught fraud attempts. They have been pains in the neck but no damage done. I do not use a debit card—too vulnerable.

[XanaDUer2]

5. What's the free service through the gov?

Do you mean the credit bureaus? Tia

[Lulu KC]

7. https://www.usa.gov/credit-reports

There you will see that annualcreditreport.com is the only website authorized by the federal government to provide free credit reports.

I also registered with https://haveibeenpwned.com, which sends me an email if my phone number or email have been pawned. I believe this is how "they" got past the barriers and ended up being caught by my credit card and phone companies before they got any farther. Edit: It will also tell you the nature of the pawn--whether they got passwords, ss#s, and other things. If I get a notification I change my financial passwords. Actually, I kind of do that once in a while anyway. There aren't that many of them, fortunately or unfortunately.

I am really only concerned about accounts that have financial info or personal info that could lead anyone to it.

I saw a thing the other day that someone had released nude photos of people taken while they were sedated during surgery. This would be embarrassing, but I don't think there'd be any money in my nude, sedated photos, so I think I'm safe on that one.

Oh--and one credit card company, Discover, also has a free service that will alert you monthly if you have been breached/pawned etc. I don't know if others do, but that's been effective.

[XanaDUer2]

8. Yes, I use the free service

Bizarrely, the 14th I get my free notification that nothing is on the dark web. Hooray. Then according to them. They attempt to send 3 breach notifications to my email and they fail. I never had a problem before and today I'm told it may be the volume of ppl pissed due to this big breach. But idc. I pay and miss the most imp email. If I did not have the 2nd company I would have blothely thought everything was aokay.. I'm so pissed

[Lulu KC]

11. It hit nearly everyone a few months ago

As I recall, it was the biggest of the big, and it was social security numbers, not just the usual stuff.

They (services) really can't keep up, and you are not alone. If you don't have a ton of money, there won't be much they can do to you, but set up the other protections for your financial accounts and it will not be a catastrophe. If it is, we're all in the same boat.

[XanaDUer2]

6. Anyone else getting breached?.

[LuckyCharms]

10. I have a stack of mail about 4 inches high...

that is nothing but letters from companies telling me that I've been breached. I've been collecting them over the years.

I never take any action.

[XanaDUer2]

12. There's already a lawsuit

Good. How the fuck they get my personal information?

[TommieMommy]

9. Yes so first I panicked then did some research and signed up for free credit monitoring