Score
Title
5596
knitted wedding blanket prompts beautiful reflection on how far we've come in the U.S. on gay rights
787
The people of WhitePeopleTwitter discover HogwartsBot and a frenzy of house points awarding ensues.
1258
A NASA engineer who operates some of the cameras on Curiosity and Opportunity explains why we don't get high quality video from Mars
12162
College student failing Calc 2 class asks for advice. The student's professor responds.
211
Redditor explains the true horrors of living with schizoaffective disorder
108
Redditor breaks out the references to show how, statistically speaking, Americans have never had it so good.
249
Redditor describes the internal downfall of Blockbuster
5033
Redditor insults his sister in the cutest way
58
User outlines how the US has lost an active and ongoing global tech war
11
So. Cal. Disneyland annual pass problem explained
19
Redditors discuss the economics of entertainment in regards to Battlefront 2.
2636
Redditor gives an insight into why anti-gay religious people may well be homosexual themselves.
590
Redditor find the silver lining in the Trump presidency
2
Redditor asks for a story. OP delivers
3644
A long detailed comment describing what it’s like to be a witness to an Oklahoma death row execution
2
User describes finding themselves after a psychedelic trip
1
Video of man tracking down his biological dad. Man in video casually shows up in the comments.
23157
User gets sweet revenge on Bank Of America after they accidentally overdraw his account by 7c while closing it, and then issue him a $25 overdrawn fee.
176
User explains the social complexities and problems with cancer awareness campaigns
26
Redditor explains a joke about football and society from The Simpsons
0
r/Rainbow6 trampolinizes Operator voice lines
125
Chaplain goes to Special Forces observation post
12
Redditor illustrates how rotation ciphers work with a comment and it's encoded version
26380
Redditor shares a text bot that will send a fax to your state representative, senators, and governor, with message to fight for net neutrality
66
/u/NapAfternoon gives a phenomenal explanation on why the prospect of climate change is even more dire than many already believe.
33
Redditor derails a political thread to ask for cooking advice and gets lots of helpful replies.
112
Programmers spontaneously limit test a Harry Potter bot
21
Redditor doubts that a chimp playing ping pong well is real
0
User sharply remixes Thunderstruck by AC/DC.
35
One of those scenarios that says a lot about who you are as programmer.
23
Redditor perfectly explains the relationship between Canada and The Netherlands
72
Redditor explains why micro transactions in games are essentially gambling
6
This mentions that Mono was a factor in the failure of FogBugz
814
The Star Wars galaxy is in their version of the Dark Ages
74
u/darwin2500 explains why empathy should be chosen over retribution when imparting justice
9823
Redditor explains the likely mindset of a homophobic politician caught having sex with another man
4997
Comprehensive list of why Wendy Williams is a horrible person
1089
Redditor explains why Americans might not be standing up to oppression.
19
milesunderground presents us with a magical pun
27187
EA disables in-game purchases until "a later date"; a 'AAA' producer explains their true motivations.
4390 0 selflessGene Every adult American shouldn't have to go through this bullshit because some company fucked up. This is a big enough of a deal that Congress should be actively looking into laws to enforce a more secure credit rating.
818 0 Crap_Spackle My understanding is that if I freeze my credit, existing accounts, including my credit cards, will work - I just can't open new accounts of any kind. Is that right? And why don't we have this PIN system by default for credit? I feel like if I open a new account I should have to verify with this PIN every time. They could mail new PINs every year or so...
386 0 Titus142 I shouldn't *have* to tell them to freeze my Equifax credit. You were compromised, freeze everyone's credit. They don't care. 3 multi-billion dollar corporations that handle ALL the credit for ALL Americans. I didn't buy their product but if I want any kind of financing I am in the system.
299 0 Lokotor I'm really not banking on a 90 day or even 3-4 year alert doing much. the people who stole this information are not stupid. the people who stole this information are not 99 years old and going to croak tomorrow. your SSN is not going to change in the next 100 years. they have time. they MIGHT get caught. even if they do get caught they probably will sell the information to people for billions of dollars over the course of the next 100 years. the vast majority the stolen information will probably not be sold off and used until a few years from now, when everyone's forgotten about this and fraud alerts are all expired. this is basically going to be a problem for the rest of every person in the US's life. at any time until you die your identity can and very well may be stolen. basically every person in the us fucked for about 100 years and then a few more will continue to be fucked for another 50 years. correct me if i'm wrong.
1455 0 GreenStrong >Are you an American adult that has ever held or inquired about a credit card, loan, car, bank account, cell phone account, electric service, water service, internet service, a security clearance, most jobs, most schools, most apartment complexes, or renting a house? Congratulations! You’re affected! I’m seeing a lot of “Well, if you ever did X…” Or “If you ever signed anything with this fine print…” This is confirmed by the number of accounts compromised. Given that a sizeable portion of the population is under 18, has cognitive impairments, or is very old and has never used credit, 140,000,000+ accounts means that everyone who has ever interacted with the modern financial system is compromised.
535 0 TheUnbelieverSFW WARNING: IF YOU CALL EQUIFAX, THEY WILL RATTLE OFF YOUR PIN ONCE AND THEN HANG UP ON YOU. Am I fucked? Does anyone know if they send confirmation by mail??
367 0 wjbc Equifax will waive all Security Freeze fees for the next 30 days. [Equifax announced this today on Twitter.](https://twitter.com/Equifax/status/907382924621819906) If you don't need to apply for credit in the near future, freezing your credit could be for you. It means no one will be able to use your stolen information to get credit in your name.
1917 0 pichicagoattorney Thank you for this brilliant post. I can't believe the mods deleted the single most useful LPT in the history of that subreddit. Morons. Your legal stuff was right on anyway. I loved what you said about small claims. Big companies and defense attorneys HATE hate hate small claims because there is NO discovery. They are easy for a non-attorney to file. The only question I have is, what damages do I or anyone, really, have for this breach? Actual, hard numbers you can show a judge and get an award? Emotional distress or anxiety is not not necessarily recoverable in cases like this, typically or generally. The laws of your jurisdiction will vary and this is NOT legal advice and I am NOT your lawyer.
165 0 InactiveBeef Who can I pay to do all of this for me?
315 0 silverporsche00 I, and many of my friends, were part of the OPM breech. I cannot emphasize enough to put a freeze on your credit with all 3 agencies. Monitoring will tell you only after the credit cards have been opened under your name since there's a delay. Security frauds don't stop this and they only last for 90 days at a time. It doesn't feel like a lottery that I was chosen but I one of the "lucky" few, it's a serious pain. It's been years and I still have someone actively trying to open credit cards and access my bank accounts (recommend NOT to use your debit card that links directly to your bank, rather credit cards that you can refute, I have friends that have found their bank accounts emptied). I took the freeze off my account for 30 days to apply for a credit card and 3 days into it I had false credit cards under my name. I have the monitoring service provided by OPM but the alerts through the free credit monitoring service through capital one has been faster and helped me shut down accounts before they could be used. I monitor everything real time with instant alerts and emails from all of my financial institutions. I change my complex passwords on a regular basis. So far, I haven't had any financial damage but the potential for major damage has definitely been there. I've had to step away from meals to immediately deal with a notice I received for a new credit card being opened so I can report fraud and close the account. I tried filing a police report but they wouldn't take a report since it was online. They directed me to an FBI line who wouldn't take it either and directed me right back to the local police. I was never able to file a report, thought the credit agencies will waive all fees for freezing if you're able to get one. Don't take the chance, listen to this guy. Freeze your credit NOW.
122 0 forced2createlogi I'm now subscribed to YSK and preparing to leave LPT. Thanks OP!
626 0 metroid23 I'd wait a bit on annualcreditreport.com Edit: Transunion can't be selected, it's greyed out. Experian wants you to fill out a form, print it out and *mail it in*. Equifax gives a timeout error and when it does work, tells you that online delivery is "unavailable" and to *also* mail your request in. All three are useless right now. What a joke. Then when you refresh, annualcreditreport.com thanks you for reviewing all three. UGH. edit2: called Transunion to set up a freeze, got all the way to the end and it asked for my CC to pay them $10 for the freeze. When it took 15 seconds to get my credit card out, they said I took too long, were going to transfer me to a rep, and then I got a busy signal and was disconnected. Again, what a fucking joke. Burn these institutions to the ground and start over. Edit3: Looks like Experian is up for some folks. Give it a shot!
117 0 beoweezy1 There will be at least one lawyer on Equifax's team that kills themself if just a million people file in small claims court. You could destroy their ability to operate with enough of those lawsuits. They'll have whole offices dedicated to receiving process for this matter. I don't think people realize the legal bloodbath that this is going to be. $100 million is an offensively low estimate of a class action settlement. That's less than a dollar per eligible class member. They should be expecting to pay a billion minimum to make this go away. Nobody should underestimate how appealing this case is to an experienced complex lit practice group. You've got a universally despised organization that's negligence has caused every adult American's data to be stolen. And it all happened in one single breach. That's a wet dream of a class action and potential damages are astronomical.
94 0 trgdr090 Great post OP! Everyone should also check out the [mega-thread](https://www.reddit.com/r/personalfinance/comments/6yv4gb/official_mega_thread_recent_equifax_security/) over at /r/personalfinance for additional resources/advice.
185 0 [deleted] PSA: through www.annualcreditreport.com, the site mentioned by OP, no credit reports are currently able to be generated. Experian says to submit in writing, Equifax systems are down, and then the site itself crashes when you try to settle for TransUnion. Edit: It sounds like others have been having some success pulling their reports. Still nothing on my end--good luck everyone
90 0 -Economist- "It is an automated system so don’t worry about interacting with a person." You had me at hello. lol