Friday, January 17, 2020

Equifax settlement deadline filing is January 22, 2020


Okay, I got this popup from Windows from CNET on the Equifax breach and tried it.  Jan. 22 is the deadline for submitting a claim to Equifax.

  
I was told that according to my last name and last six of the social that there was evidence of breach.


   
But in my case the only remedy available was the free credit monitoring.

Saturday, January 11, 2020

Credit freezes v. credit locks



Here’s a little summary from Lending Tree on the pros and cons of freezing your credit report to prevent impersonation and identity theft.
  
The biggest problem is that it creates extra work for you.  That’s particularly true if you are buying a house or car, renting an apartment (Tenant check), or entering into business arrangements with others (which is becoming common now with various Internet platforms and even the crypto “free speech” movement). 


Tangentially related may be the report that Airbnb is supporting the development of an artificial intelligence “social credit check” of a consumer’s social media (would expect Uber, etc, might do the same – anything where a gig contractor or worker has to be concerned about security from potential consumers).  That’s on my Trademark blog Jan. 7.
   
Jazz Wealth Managers explains the difference between credit freeze and credit lock.  A credit lock offers an app where you can unfreeze your credit with less work, but it allows the credit reporting companies to keep selling your data (think about this – compare to COPPA, CCPA, etc for Internet content creators and behavioral ads).

Tuesday, January 07, 2020

A surprise credit check for New Year's from the "other" credit reporting company


I got an email from the least known of the three credit reporting companies, Trans Union, today, and found I had a password with them that I had never recorded.  Odd.  But it did the two-step verification and let me reset it.
My scores were all A and low insurance risk (950).  That itself is interesting because that means my blogging and social media presence isn’t considered to affect my credit score.  That is, we don’t see “social credit scoring” in the main credit system, yet, in the US.  It just seems that tech companies have their own.

I did see that TransUnion has a concept called “Alerts”, and when I worked for Chilton in Dallas (became TRW, became Experian) in the 1980s, we had a whole department of ALC programmers managing “Alerts”. 
   
TransUnion is located in Chicago (I thought some of it was near Harrisburg PA). 

Thursday, December 19, 2019

Is privacy.com convenient enough to use for everything? It does seem curative for credit card fraud


As I recall, it was David Pakman who mentioned privacy.com as a practical shield against fraud and maybe identity theft when shopping online.

Here’s a video

   
And here’s a writeup on how it’s supposed to work.  You create pseudo-cards with each vendor and pay from a bank account, but you give up rewards.

Thursday, December 05, 2019

Mozila Firefox and Google Chrome have new tools to check your email addresses for breaches, and the results are pretty shocking.


Clifford Colby has an article in CNET on how to check the dark web for your logon passwords after a data breach, link. 

  
I tried this with Mozilla Firefox Monitor and found seven violations.  The most glaring was “People Data Labs”   There was a breach of over 600 million accounts (potentially) in October 2019. This seems to be a generalized data broker company selling to advertisers.  Here’s another supporting story.

I’m a little concerned about Verifications.io in March 2019 because that happened when I was trying to get a digital wallet to work. There is very little value involved, however.  Here’s a story from the ITRC. Over 700 million violations.  This seems to be a pattern. 

I also have them from Ticketfly (2018), MySpace (2016), Linkedin (2016), and Adobe (2013).

I have very little on Myspace and haven’t looked at it for years. I look at Linked In occasionally.

The pattern of these breaches suggests mostly Russian, Chinese or former republic origins (maybe North Korean) for the hacks.

 These could explain some robocalls (which increased in 2018), some spam (that looks very silly). 

You would wonder if data breaches could complicate the enforcement of (and even liability problems for creators) associated with COPPA, and maybe CCPA, as third party plugins or cookies might be feeding these companies.  
    
There have also been emails claiming I purchased Apple products in Indonesia. Kazakhstan and Belarus, and no bill for them ever showed up.  Of course I haven’t been to these places.  Programmers don't have good legitimate jobs in these countries. 
  
Google Chrome offers a similar tool but it appears your devices need to be synced first.
  
In 2013, a pickpocket robbery on the DC Metro resulted in about $27000 attempted smart card fraud before the systems stopped it.  Metro had to eat this one. The perp was arrested later on another crime.

Wednesday, November 27, 2019

Equifax settlement up for approval in federal court, and many oppose it



Charlie Wertzel opines in the New York Times, “One Man can Bring Equifax to Justice (and Get You your Money)”.


That’s if judge Thomas Thrash in Atlanta rejects the Equifax settlement and recognizes many more lawsuits from victims.  The trail is Thursday, Dec. 19.

This is sounding a bit like Dupont in the movie “Dark Waters”.

Or it reminds me of YouTube and COPPA (and FTA).  Because the supposed COPPA violations by YouTube’s subterranean behavioral advertising might place some minors in danger of identity theft, although I haven’t heard this connection made very often.

Monday, November 04, 2019

Secret consumer scores approach "social credit" trustworthiness idea being implemented in China


NBC Nightly News reports tonight on “Secret Consumer Scores” from data miners, where browsing habits, yelp reviews, some social media posts, and other purchases are tracked by less well known companies, video here


Kashmir Hill reports for the New York Times here.  Even your Airbnb or Uber behavior seems to be fair game.
  
NBC interviewed Jason Tan, CEO of “Sift”, who says he detects fraud patterns with AI. 
   
We are getting closer to China’s “social credit score” of trustworthiness all the time.