Problem is that the three credit reporting agencies have a monopoly. So, currently, there is no alternative. The idea of *everybody* freezing their credit is a great idea. It will make the credit agencies desperate since they'd lose income. Policy changes, obviously, would be ideal, 'tho. > From: Flora <http://www.gmail.com/~flora> > Date: Fri, 2 Oct 2015 22:02:30 -0400 > > This confirms the reason not to trust the three credit reporting agencies. > > Begin forwarded message: > > > From: Scamicide <http://www.wordpress.com/~donotreply> > > Date: October 2, 2015, 8:05:45 PM EDT > > To: http://www.gmail.com/~flora > > Subject: [New post] Scam of the day â?? October 3, 2015 â?? 15 million > > T-Mobile customers in danger of identity theft > > > > New post on Scamicide > > > > > > Scam of the day â?? October 3, 2015 â?? 15 million T-Mobile customers in > > danger of identity theft > > by Steven Weisman, Esq. > > T-Mobile has announced that personal information on 15 million of its > > customers has been stolen as a result of a data breach that occurred between > > September 1, 2013 and September 16, 2015. The stolen information includes > > names, birth dates and Social Security numbers. This type of information can > > readily be used by a criminal to steal the identities of the people whose > > personal information was compromised. Because identity theft can be a > > devastating crime, this is a major problem if you were a customer of T-Mobile > > during that time. It is important to note that it was not T-Mobile's > > computers that were hacked. Rather it was a server used by the credit > > reporting agency Experian that was hacked to steal this customer information. > > T-Mobile used the services of Experian to run credit checks on people > > applying for T-Mobile services or devices. A number of questions are brought > > up by this hacking including why Experian continued to store this personal > > information long after the determination of creditworthiness had been done. > > Also, there are questions about the encryption program Experian used to > > protect its data because the encryption proved ineffective. > > > > TIPS > > > > T-Mobile is offering free credit monitoring services through ProtectMyID to > > affected customers for two years. However, it should always be noted that > > credit monitoring does not help prevent identity theft, but merely helps you > > learn sooner when you do become a victim of identity theft. Somewhat > > ironically, it should also be noted that ProtectMyID is owned and operated by > > Experian, the same company responsible for the data breach. For more > > information about obtaining the free credit monitoring services if you have > > were affected by this data breach, click on this link which provides > > instructions from T-Mobile about signing up for the service. > > http://www.t-mobile.com/landing/experian-data-breach > > > > Meanwhile, everyone should consider putting a credit freeze on their credit > > reports to actually help prevent identity theft. With a credit freeze in > > place, an identity theft who has your personal information including your > > Social Security number will be prevented from accessing your credit report to > > obtain credit or make purchases in your name. For more information about > > credit freezes, go to the archives of Scamicide.com and type in "credit > > freeze." > > > > Steven Weisman, Esq. | October 3, 2015 at 12:05 am | Tags: credit freeze, > > credit monitoring, experian data breach, experian hacked, how do i do a > > credit freeze, protectmyid, t-mobile data breach, t-mobile hacked, t-moible > > hacked | Categories: Site Related | URL: http://wp.me/p28EPY-1w0 > > Comment See all comments > > Unsubscribe to no longer receive posts from Scamicide. > > Change your email settings at Manage Subscriptions. > > > > Trouble clicking? Copy and paste this URL into your browser: > > > > http://scamicide.com/2015/10/03/scam-of-the-day-october-3-2015-15-million-t-mobile-customers-in-danger-of-identity-theft/