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.
  • spikesgirl58: (I see you)
    [personal profile] spikesgirl58 posting in [community profile] thefridayfive
    1. If you had a year off (with pay, to make it interesting), what would you do with it?
    2. What are two things you would do to improve the country if you were in complete charge?
    3. What three TV shows do you like watching?
    4. What are your four favorite ethnic dishes?
    5. What are five words you love to use?


    Copy and paste to your own journal, then reply to this post with a link to your answers. If your journal is private or friends-only, you can post your full answers in the comments below.

    If you'd like to suggest questions for a future Friday Five, then do so on DW or LJ. Old sets that were used have been deleted, so please feel free to suggest some more!

    **Remember that we rely on you, our members, to help keep the community going. Also, please remember to play nice. We are all here to answer the questions and have fun each week. We repost the questions exactly as the original posters submitted them and request that all questions be checked for spelling and grammatical errors before they're submitted. Comments re: the spelling and grammatical nature of the questions are not necessary. Honestly, any hostile, rude, petty, or unnecessary comments need not be posted, either.**

    Pop culture, feminism, etc.

    Sep. 14th, 2017 08:22 pm
    3v3y2k: (Default)
    [personal profile] 3v3y2k posting in [community profile] addme
    NAME: Eve
    AGE: 25
    INTERESTS & HOBBIES: Pop music, pop culture, trans-inclusive feminism, LGBTQIA issues, social justice, comedy
    LOOKING FOR: People from ONTD, or other people interested in discussing pop culture, politics/feminism or our daily lives! (And of course the intersections of it all!) LGBTQIA-friendly people only!!
    ANYTHING ELSE?: I'm trying to start up a pop culture/current events community, 
    [community profile] howdareuCurrently looking for members/mods to help grow the community, so message me if you're interested! For those who care, my faves include Britney, Madonna, Kylie, Carly Rae Jepsen and Tove Lo. Fave shows include 30 Rock, Sex and the City, Will & Grace (SO excited for the revival!), Drop Dead Diva, and Parks and Rec.

    Looking for some new friends

    Sep. 13th, 2017 04:24 pm
    strumbella: (Default)
    [personal profile] strumbella posting in [community profile] addme
    NAME: Frankie aka Strumbella
    AGE: Early 50s
    INTERESTS & HOBBIES: Music, guitar, drumming,reading, internet, making lists
    LOOKING FOR: I'm looking for some new friends who post and or comment on a fairly regular basis. I do comment in return should I have something to say. Age isn't a factor for me when making friends, we can all learn from one another.
    NOT INTERESTED IN: Politics, Racism.
    ANYTHING ELSE?: Lived in large cities most of my life and then about 4 years ago moved in a very small town. Still not quite found my niche here, however I'm loving the NO drama and the laid back atmosphere.
    anais_pf: (Default)
    [personal profile] anais_pf posting in [community profile] thefridayfive
    1) What makes you unique?

    2) What are you really good at?

    3) What are your best character traits?

    4) What character traits do you need to work on?

    5) What are some of your idiosyncrasies?

    Copy and paste to your own journal, then reply to this post with a link to your answers. If your journal is private or friends-only, you can post your full answers in the comments below.

    If you'd like to suggest questions for a future Friday Five, then do so on DreamWidth or LiveJournal. Old sets that were used have been deleted, so we encourage you to suggest some more!

    **Remember that we rely on you, our members, to help keep the community going. Also, please remember to play nice. We are all here to answer the questions and have fun each week. We repost the questions exactly as the original posters submitted them and request that all questions be checked for spelling and grammatical errors before they're submitted. Comments re: the spelling and grammatical nature of the questions are not necessary. Honestly, any hostile, rude, petty, or unnecessary comments need not be posted, either.**

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