Mar 10, 2009 Where can I download OPM.KAR or.MK1 files for Gosing. Discussion in 'Software' started by jhed, Oct 14, 2007. Forum software by XenForo™ ©2010-2016. Many readers wrote in this past week to say they’d finally been officially notified that their fingerprints, background checks, Social Security numbers, and other sensitive information was jeopardized in discovered this year at the Office of Personnel Management (OPM). Almost as many complained that the OPM’s response — the offering of free credit monitoring services for up to three years — won’t work if readers have taken my advice and enacted a “security freeze” on one’s credit file with the major credit bureaus. This post is an attempt to explain what’s going on here. OPM offices in Washington, DC. ![]() Image: Flickr. Earlier this week I got the following message from a reader: “I just received official notification that I am affected by the OPM data breach. I attempted to sign up for credit monitoring services with the OPM’s contractor ID Experts at opm.myidcare.com, but was denied these services because I have a credit security freeze. I was told by ID Experts that the OPM’s credit monitoring services will not work for accounts with a security freeze.” The reader continued: “This supports my decision to issue a security freeze for all my credit accounts, and in my assessment completely undermines the utility and value of the OPM’s credit monitoring services when individuals can simply issue a security freeze. This inability to monitor a person’s credit file when a freeze is in place speaks volumes about the effectiveness of a freeze in blocking anyone — ID protection firms or ID thieves included — from viewing your file.” I reached out to my followers on Twitter to gauge their reactions to this. I wrote: “Finish this sentence: Lifting a freeze to enable credit monitoring is like.” Here were some of the notable responses: @sdweberg 10:22pm shooting your rottweilers and paying the neighbors a monthly fee to “keep an eye on” your house. @shane_walton 10:15pm installing flash to watch a flash video about the evils of flash. @danblondell 10:13pm leaving the storm doors open to keep an eye on the tornado @flakpaket 12:48am leaving your doors and windows unlocked so that burglars can set off your indoor motion sensors. @ShermanTheDad 8:25am taking your gun off safety to check and see if it’s loaded. Removing a security freeze to enable credit monitoring is foolhardy because the freeze offers more comprehensive protection against ID theft. ![]() Credit monitoring services are useful for cleaning up your credit file *after* you’re victimized by ID thieves, but they generally do nothing to stop thieves from applying for and opening new lines of credit in your name. As I discussed at length, credit monitoring services aren’t really built to prevent ID theft. The most you can hope for from a credit monitoring service is that they give you a heads up when ID theft does happen, and then help you through the often labyrinthine process of getting the credit bureaus and/or creditors to remove the fraudulent activity and to fix your credit score. Many of these third party credit monitoring services also induce people to provide even more information than was leaked in the original breach. For example, — the company that to offer credit monitoring for the 21.5 million Americans affected by its breach — offers the ability to “monitor thousands of websites, chat rooms, forums and networks, and alerts you if your personal information is being bought or sold online.” But in order to use this service, users are encouraged to provide bank account and credit card data, passport and medical ID numbers, as well as telephone numbers and driver’s license information. Depending on in which state you reside, there may be to place and/or thaw a freeze on your credit file, and freezing them at all four major bureaus ( Equifax, Experian, Innovis and Trans Union) could cost as much as $60. But this is a small price to pay for peace of mind. In, the consumer US-PIRG urged all consumers to place a security freeze on their credit files. US-PIRG suggests if you already have freezes on your reports, you will need to lift your freezes before signing up for the credit monitoring and reinstate the freezes. Mdl factory mode galaxy ace 3 release. If you don’t have freezes on your credit reports yet, sign up for the free credit monitoring first, then place your freezes. In a perfect world, breached organizations would offer to pay the costs involved in freezing your credit files, but sadly the standard playbook in corporate breach response is to pay for credit monitoring. PROTECTING DEPENDENTS FROM ID THEFT One area where credit monitoring makes more sense is with dependents and children under the age of 18.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |