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So if an identity thief has enough of my information to potentially open a new line of credit, wouldn't they also have enough information to reverse the freeze?
by Y7ZCQtNo39 9y ago
So if an identity thief has enough of my information to potentially open a new line of credit, wouldn't they also have enough information to reverse the freeze?
In other words, is a freeze enough to stop new accounts from being created?
- mcshicks 9y agoYou get a unique long pin code when you freeze the account. You need that to unfreeze it. There is some "recovery" procedure, I think you need a notary or something
- cespare 9y agoAnd that unique long pin definitely isn't stored in plaintext in the next column over in their database, right?
- gruez 9y ago"don't worry, your 12 digit pin is securely encrypted with md5" /s
- seanp2k2 9y agomd5? They use triple ROT13.
- roywiggins 9y agoAt least it's only in one database, and not all of them, like SSNs are...
- ianai 9y agoAt this point it's about doing that one thing the other 1 million won't. It might be surmountable but do you figure the adversary is going to have the incentive to surmount it?