Marina
19 September 2017 @ 08:39 pm
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.
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    stavekoff
    18 September 2017 @ 01:04 am
    Fandom, personal life stuff, political, and so on, let the opinions fly. No judgement or shaming here, please.





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    Diary of a B+ Grade Polymath
    17 September 2017 @ 10:01 pm
    Have had a fairly busy week in my favourite pastime. Every day this week I've been working on finishing Papers & Paychecks as well as RPG Review 35-36, now a double issue of Antipodean gaming material. To have both out by the end of the month would be ideal, and I think that is certainly going to happen at current rates of work. Much of RPG Review has been helped by [personal profile] reverancepavane whose epic writing for RPGaDay has been nothing less than extraordinary. In actual play on Wednesday finished the classic introductory Stormbringer scenario The Tower of Yrkath Florn which includes nothing less than a Melnibonéan wheel (my calculations put the value at around $3m AUD). As I've wryly remarked this may very well be our Stormbringer; a theme which I don't think the game does well is the idea of tragedy from power. It was also a heavy Eclipse Phase weekend, with a game on Friday night which curiously was chasing down a antagonist whom the players in my Sunday game are close to encountering for the first time. Whilst a good scenario, once again I could not help but chuckle at the author's rather light idea of what a seedy "sex and drugs and gangs" red-light district would consist of - especially in a transhumanist environment.

    On Friday finally managed to write up my review of The Residents concert from March last year. On Saturday attended Software Freedom Day and the LUV AGM, where I have found myself on the committee for yet another year. Afterwards went to [livejournal.com profile] usekh's memorial birthday at the Back Bar. Kudos are due to [personal profile] damien_wise for doing most of the organising of the event. Today visited St Michael's to hear Rev. Ric Holland's impressive service on forgiveness, also taking the opportunity to introduce Shupu, to the location. I hadn't been for several months and was never a regular attendee, so I was quite surprised to discover a few people remembered me. The Rev. offered to catch up for coffee some time and I certainly intend to take up that invitation. Afterwards made my way to university, and stumbled upon the a protest against racism and fascism which I attended; the media of course, concentrated on a very minor disruption, ignoring the important message that the Rohingyan refugee speaking was presenting at the same time.
     
     
    feelin' kind of..: content
    where am i?: Willsmere
    melody..: Shadowland, The Residents
     
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    Samantha
    16 September 2017 @ 10:25 am
    I've never been one for nightmares or bad dreams. I've never even really remembered my dreams, I have fuzzy recollections in the morning but never anything vivid or memorable.

    I went through a phase of fairly bad nightmares in my early teens after my mother died but I suppose that's to be expected, all things considered.

    Last night though my sleep was haunted by nightmares. I can't recall anything specific other than a feeling of fear and panic, lots of running and being chased. I slept terribly because of it, and am feeling quite sluggish today.

    My husband has been teasing me about it - says I'm not allowed to watch any more horror film. We went to see IT last night and I'm not completely convinced the film was to blame. Maybe it was and combined with the stress of the last couple of months.
    IT was a bloody brilliant film though, and I thoroughly enjoyed it. It was delightfully creepy. I'm also left wondering if we have the book. I'm not even sure we have any Stephen King

    Then again he was also awake with me at 4 am and cuddling me back to sleep. That was the only time I woke him up, thankfully. And he did let me sleep in this morning while he and our girlfriend went to the supermarket.

    They've just got back and I'm enjoying a breakfast of peach slces and yoghurt, with a mug of coffee. It's making me start to feel a little more human, thank god.

    Today we are working on turning one of the rooms into a 'library' of sorts. We've decorated it and got carpets in. Today will be mostly about putting up bookshelves and getting the books up. Monday the couch and chairs are due to be delivered.
     
     
    feelin' kind of..: determined
     
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    stavekoff
    15 September 2017 @ 09:43 pm
    How's everyone doing right now?
     
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