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Equifax breach and credit protection

Couple of similar articles on what to do after the breach: https://www.consumerreports.org/equifax/how-to-lock-down-your-money-after-the-equifax-breach/ and https://www.nytimes.com/2017/09/08/your-money/identity-theft/equifaxs-instructions-are-confusing-heres-what-to-do-now.html?_r=0

They skip checking if you're affected (answer: probably yes), and recommend putting security freezes and fraud alerts on your accounts. Big three, plus this other one, Innovis? Anyway, I tried.

Equifax: fairly easy for both. Claims it will pass the alert on to the other Big Two. Their idea of a freeze PIN is amateur hour bullshit.

Experian: freeze in place for $5. Option to provide your own PIN, or accept their random 10 digit one. Rejected my alert attempt.

TransUnion: failed to do anything, even by phone. Requires making an account to try things online; rejects 21 character account passwords.

Innovis: freeze and alert in place. I was not given a freeze PIN via webpage.

I also turned on my credit card's activity alerts, and got a ShopSafe number, basically a number you can use online with its own credit sublimit and expiration date. You can have many, so in theory you could have one for each vendor or subscription. My bank doesn't do activity alerts, which has me thinking about a different bank...

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Damien Sullivan
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