17 Burst results for "Equifax Equifax"
"equifax equifax" Discussed on Behind The Numbers
"Today we're going to be going behind the numbers with Jordan in Fisher who is the managing partner at the Expand Law Group. And we're going to be talking about cybersecurity and data privacy issues Jordan. Welcome to behind the numbers. Thank you. I'm excited to be here. That's GonNa be a great conversation. I know you've got a lot of great stuff to share but before we jump into that. Tell your insulin about yourself. So Jordan Fisher managing partner of Expand Law Group. And we're a boutique not international cybersecurity. And Data Privacy Law Firm and we're also certified women owned which I'm very proud of and I'm also a fulltime faculty member at the Thomas Kline School of law at Jackson University. So that's perfect and we're going to explore all that we definitely will be talking about. The journey of entrepreneurship is I like to call it and women owned business. We'll do that probably in the the beginning of the second segment but let let's start off at a high level to kind of lay the framework of chuck the field as I like to say in terms of the the kinds of issues threats that you are seeing today in in Cyber yes. It was a very interesting landscape right now. We have a lot of evolution from a legal perspective. I think almost every day I check twitter because there's a new state that has pushed without a new law. That's impacting businesses around the country. On how they're using data what they can collect what they have to tell data subjects etc So from a legal perspective. It's really interesting because it's just changing at this rapid pace. I feel like I can barely keep up so i. I don't blame businesses for not being able to keep up either and then from a personal perspective. More and more companies knees are collecting data using our data technologies or evolving at this rapid rate. And we don't even understand as consumers what's actually going on and it feels like every time you turn on the TV. There's a new breach reach and Ono my social security number out now. They're five or six different times and it feels like you can't even keep up so I think right now in general from a high level it just feels like we're at this rapid expansion of technology. That's driving a lot of anxieties and threats. Both from inadvertent disclosures all the way to militias state actors that are trying to infiltrate your system so if feels like Pandora's box I think that's the best way to say it does a consumer. It certainly feels that way. We're GONNA talk about some of those things. But when when Lucas like I said started a high level of frame the dialogue regulation are there regulations that are currently places soon to be forthcoming. That are going to help. Maybe Etan these things down just a little bit so looking at it from a domestic. US Perspective we do have some regulation so the US tends to be very industry centered when it comes to regulation so we regulation the financial sector. So when you every year get a notice from your bank that says this is what we're doing with your information and I'm sure you read that notice And that's because of a privacy regulation in the financial sector. We have in the healthcare area. which a lot of people are most familiar way when it comes to hip and the protections around that we have it with children's Children's data so there's a reason why when your children go online there are restrictions around what can be collected about the children that we regulations in place for that and then those are at the federal level and then we get down to the state level and that's where we see most of the movement currently from a regulatory standpoint so California has pushed out a regulation that gives a lot of proactive protections since two individuals things like I can ask? What are you doing with my data? I can stop you from selling my data. I can stop you from using my data I can require you to delete my data. These are the things that are happening at California. We have other states that are also moving this along as well. Virginia just put out a proposed regulation. That would be very similar to the California L. A. for new regulation Washington State is looking at this Pennsylvania. New Jersey New York has a regulation that goes into effect in March that has similar analogous sort of provision although not the same as California so we do have from a domestic standpoint. The states are actively looking for ways to provide individuals with protections around that data but they're all taking different viewpoints on it. They're all doing little nuance differences. That frankly keeps my job very interesting. I can imagine. Yeah and and hopefully we're GONNA get to share some interesting advice for the consumers because everybody whether they're in business or whatnot we're all consumers we all are exposed. I just got a new credit card in the mail because apparently it was exposed in one of the many data breaches that happened at a convenience store. You confirm that that was an actual credit card. They came from legitimate place. Right right yes exactly did come in the mail and the S. and went through the whole process. But that's a good point. We will talk about that but when we talked in our prep call we talked about the Equifax equifax breach so putting on my consumer hat when you think about that kind of an organization that gets hacked as a consumer. My first reaction is. They're supposed to get right right. Well guess what can we do. I mean if they can't get it right and that's so I would say Equifax was a wakeup call and we saw so in light of Equifax in the last is two years. This is what started the state dialogues around data protection and Cybersecurity and privacy. Many states change their regulations and light of Equifax and and the reason it was a wakeup call is because everyone looks to facebook and Google and these massive companies that are that are collecting data and says what are they doing with our data but I have a choice to go on facebook right. I can choose to self select out of being in that platform but equifax. I didn't have a choice. Because if my employer decided to use that to do my background on screening. They do that on their own volition. I didn't say we'll all use the my the credit reporting agency that I believe is more secure and it was it was challenging because we as consumers had no choice choice they had our data and on top of that they didn't protect it and they didn't protect it in some pretty low level ways that we would have hoped they'd have more sophistication and so I think that will you can take from. Equifax is not what they can't do it. How could I ever do it? It's a cybersecurity. A lot of it is simple. It is training your employees. It is being aware of what is going on. It's asking the questions it is saying. What data do we have? And what are we doing with it. That's the first question every business can can go through and that it can be a very big question to actually answer but it starts you down this path of knowledge if they knew what they were doing the data. If they knew that they weren't protecting it they'd be able to a A bit and avoided that breach but unfortunately they didn't ask those questions and now we as businesses we as consumers need to ask the questions. Good stuff for folks who are watching and listening if they want to learn more about how they can work with you. What's the best way to reach you Jordan? So the best way to reach me as online. Unfortunately and it's www dot X.. Pan In law group DOT COM. That's our website where you can find out about our firm you can contact me directly either via phone or via email you can follow our blog. We put out a lot of information in both consumers and for businesses And we find it to be a very useful resource about what's going on the changes. You should be aware of And then there's obviously linked in twitter. Twitter those are also places where you can find me as well but our website is the best good looking site by the way. Thank you say so. Another woman entrepreneur. Who developed that for? So okay maybe. We'll give them a shout. Oh when we talk about that when we talk about business in in your mentioned before we came on about emanate due-diligence that get involved involved with nuts and area that resonates with a lot of folks. Listen to this show. What's your counsel for? The folks that are going into emanate mode. And where does this fit in can be doing So the the biggest thing is what you're buying and in today's world I mean I think the star Word Marriott breach is a great example an illuminates this are. Are you buying a company. That's been breached. Do you even know. Have you asked the questions. Are you buying a company. That's compliant with current data protection obligations so great example sample of this as if you go to the European Union you have the general data protection regulation that went into effect in two thousand sixteen twenty eighteen. It was on the books in two thousand sixteen wet led into effect in two thousand eighteen and it has a lot of obligations for companies around data. Where'd you get? Did you give the appropriate consents. Are you informing. The consumers consumers are you able to comply data subject rights requests a lot of these obligations and they are they be costly to implement across an entire organization. So if I'm going to buy a company and they may have e- You. GDP our exposure. Are they already compliant. If they're not I could could be buying a liability a liability in the sense of the data that they have but also a liability in the way that they operate as a business. What is it going to cost me to get that business compliant or what is it going to mean for my company to buy that company and bring? GDP are impacted data into my systems. Now I'm GonNa have to be compliant compliant. So what does that really mean from an operational standpoint and what's the true cost of merger or acquisition because a lot of people are looking they've got bells and whistles or they have all this data aide rake is a lot of people by companies for data. They want the data that they have. But if I buy bad data and data it's GonNa make liable to the GDP are I'm not really buying an asset asset liability and a lot of companies. Don't even talk about this until one hour before they sign the deal and guess what you do not have have enough time in that time period to really assess the cybersecurity and privacy risks associated with that company to really get a true picture and it can affect evaluation Shen because if GDP compliant. And I have to make you. GDP are compliant. When I buy you? That's a cost to me that I'm GonNa have to take on and that is your value. Goes Down but what are you appropriately accounting for that before you sign that purchase price and we see a lot of companies. Aren't this is changing right. It's starting to evolve as more and more companies are aware of the risks associated with data security. But if you're not asking those questions you don't even know what you're bringing into your system and that's very companies need to be very aware of that and one of the things that you alluded to there was the integration piece. Wants the data's on board and now you're integrated if you've got bad things that just came on board you've now just poisoned the entire organization exactly and the way the regulars are gonNA look at it. Is You not the company you bought. But you are liable for that because you've now brought that data into your system on and you're now liable for everything that happens without data and you're also liable for letting the consumer data so it can expose you to a lot of obligations so you may not want to take on. Yeah good point. That's a good spot to take a quick commercial break so we're going to pause here pay bills and we'll be right back and behind..
"equifax equifax" Discussed on How to Money
"Hone your behavior over time and I think why both being able to log into a both being able to do it together is probably going to have more of an effect on helping you guys get on the same page in regards to money. Then men would even though they're both solid and I think probably better for different people Andrew. Let's not forget excel because I love all the details right right that can come with spreadsheets as Matt pushes glasses further up on his face. Because I do. That's one of the reasons I love excelled man. And here's the thing I am not an excel wiz or numbers. I you know if you have a Mac you can kind of be in a number as well. I have a Mac I work on Max all the time but I still use excel spreadsheets. Man There in Excel. Go back to those days before I started working on a Mac. But here's the thing with excel. I really value the flexibility to customize and to be able to change things to work the way that I want them to. It does cost me some time. It takes me. Maybe about Sir an hour every single month to compile that information to kind of look at what changes I can make because I'm always looking to tweak it for me this allows me to see things on a very very granular level and so because of that that makes me happy right like that satisfies that in me but for kate she could totally care less. She doesn't care about all the details and so she he may be is like your wife drew where she just wants to see an overall snapshot she just wants to know where things are where we are that month so with that in mind I know that I could create a chart of that spending. It's pretty easy but even still she's not that into it. She's not going to get on. The computer pulled up. It's just inconvenient. She's not going to do it so because of them and what I do is about three times a month. I make sure I've got. The numbers updated texter. I texted the main areas of spending that we have set every single month that she most directly impacts. Those are the numbers that she wants to be aware of when she's going to be going out with friends. Those are the numbers so that she keeps an eye on especially when it comes to buying groceries because she is basically one hundred percent in charge of that are giving category. There's a certain amount of money that we set aside to give away every single month. She also really likes to know that amount that way. If there's an opportunity for her to buy something for somebody or to donate some money she has that as has an option for us. We've found that there are surprisingly few number of categories that we really need to watch closely because a lot of the categories that we spend our money and our are fairly automated automated. And they're fairly fixed. Yeah I think really any of these pieces of software or using using excel spreadsheet using mint using wine APP. Any of them can be a great idea. Depending on how you work together but one word of caution I wanNA say is just. Don't think that a budgeting APP is going to fix it. All or magically get you guys on the same page it it really does require also just a lot of back and forth a lot of discussion a lot of kind of at the dinner table talking about your goals your dreams how you WanNa spend your money learn from some my beats because yeah early in my marriage we just were not really good at communicating. I was bad in particular at communicating with Emily. About kind of our goals in our dreams is and kind of how I thought we should be spending our money in what we were kind of working towards and so I think at times she felt like I was being cheap or I wasn't being an and at times I was being cheap. And she felt like she couldn't spend money when she wanted to. And those just a hard position to put her him and so much of it came down to my lack of communicating. Well with her and actually sending up time for us to talk about money just expecting that she would understand how I was handling it and and assuming that she would be on board I guess and so yeah make sure that the the lines of communication are open that you're using the spreadsheet or the the the APP as a tool to kind of help monitor things but you're continually talking about those goals and kind of where we're heading towards the agile. I really like how you said a lot of that. It takes place around the dinner table right a lot of these conversations and getting on the same page happens outside of the actual budget. The budget is the tool that allows you guys to stick to what you've agreed on. But like you said you'll like that dream casting right dream forecasting and then kind of sharing your vision for your life together. That's the kind of stuff that happens on dates or while you're on vacation third while you're walking in the park the basic stuff that you share with each other as you're living your life together. Yeah no doubt all right. Let's get on to the second part of drew's question. He he asked about security security. The security of these APPs and I don't think it's silly at all to be considering the safety of these APPs I mean with all of the hacks that have taken place in our information seemingly compromised from high from so many major companies. We should consider strongly the security of a certain APP or service before we decided to sign up for it. Even though I know no that issues can pop up even win. Secure measures have been taken so the two big things I would say is to use complex passwords and to not use. Use Your budgeting APPs on public Wifi. If you can do those two basic things you're protecting yourself in a major way by winner using these budgeting apps those are basically the the two things that are in your hands that make it easier to avoid getting hacked or having someone like see all your sensitive information. The thing is there has been nothing to indicate that APPs like why why nab admits have any sort of security issues that we should be concerned about. In fact these APPs actually have read only access to your information so that even even if a hacker does get through the corruption and the multi factor authentication. They can actually move your money right like they can look. They can't touch see the snapshot and they're like all this rich but but I got an access I mean. This guy is really smart with where he goes out to eat boy. He's his his his entertainment but it is so low. How does he do it? That's half off wing Knight and why not has a great right up on their security measures that they take to keep your information safe will link to that in our show. It's always good to kind of see that and why nab take it so seriously. I love to see that they're right. Up is so thorough and man. I've got full confidence in using these apps just like anything. I mean who could have predicted that Equifax equifax right was going to get breached and there are major company. You think if anybody has their stuff together and isn't going to release one hundred and fifty the the personal information of one hundred fifty million people. It's a major credit bureau with tens of thousands of employees right or whatever but yeah. That wasn't the case so the Server Password must've been ABC ABC one. Two three and probably was it probably was so you never know but ultimately I feel completely comfortable and I feel like the security measures are really strong with wine. Admit so check out that right up if you have more concerns are man. We got two more questions that we're going to get to including that one about financing a used car and we'll get.
"equifax equifax" Discussed on 760 KFMB Radio
"Today's car courageous moments where those things I just shake my head at we had a call recently called very distressed that when they went to thaw their credit they had frozen with Equifax Equifax said well we don't need your pen anymore we don't use those anymore and so we reach out to Equifax and got a written statement from Equifax saying that in an effort to enhance this quote the security of consumer data we change how we authenticate consumers before you disclose any information or make any changes on their credit file as a part of these enhancements a specific pen numbers no longer required okay this is crazy Equifax that because of their gross negligence the personal information of two thirds of American adults is out there for ever for criminals to be able to traffic in has removed one of the best precautions in place a secret code only known to you it protects your credit being frozen and now a criminal with access to the kind of information is on the internet about you and me can call up and talking through for thawing somebody's credit and giving a criminal the ability to apply for credit as if they're you it is absolutely color courageous Equifax is wrong on this and I can't believe this soon after the gregis data breach they would do something like this.
"equifax equifax" Discussed on This Is Only A Test
"Sumer when we talked about Apple TV plus more than the new shows coming out as Dickinson Emily Dickenson tr- period drama as play portrayed by hilly stint Steinfield. I feel yes well. She might be stolen away. The actress to the Disney side because hilly seinfield field is now the front runner for Marvel Studios Hawkeye. TV Show Disney plus show to play the role of Kate Bishop. Yes good candidate. I think it's I think it's really good casting. I mean she definitely has the acting chops for a great and true grit and most recently in Bumblebee and I think she would pair here. Well good protege for Jimmy Renner's Hawkeye if you haven't read Hawkeye Annual Four which is Matt fractions take on Hawkeye where he's teamed with Kate Bishop. This is really like snarky Hawkeye very different art style almost like Tell Tale Video Game Kinda comic image style is really great reading. If you WANNA prep for this series is Jeremy Renner in the show. He is in the show playing Hawkeye so he'll be passing the mantle down to a new Hawkeye kid Bishop Healy Stanfield is university universe studio crossing crossing actor because she's also the voice of Spider Gwen in staffers I I will not I will not Jerry trump in those knowledge bombs and guess what that's it for pop culture news awesome. That's awesome all right well apple announcements of stuff. No I'm just kidding. There's there's still some stuff they look. This is a big announcement for me and probably me alone. His Alpha Related Yeah Oh. I'm probably more excited about this than anything. I'M NOT GONNA buy anything that was announced yesterday but I'm using this already they announced a AH. I tunes will apple. Music is what it is. I'm sorry it's not at all. It's Apple Music now on the web so if you're apple music subscriber and I gathered there's a lot of them. I'm one of them. Because I was a beat subscriber became apple music. I've been I like it. I use it all the time in the car but I am on a PC and so I I don't know if you guys try to use items on but it's a horrible experience like it doesn't launch from me half the time. It doesn't shut down half the time I don't I never use it on the pc but but now you can't on the Web Beta Dot Music Dot Apple Dot Com and you can access you log in you got your whole library anything you've uploaded to the to the service all of apple music because there and you can stream to Heart's content and I'm I quite like it. I'm so glad they've finally come around to putting Apple Music on the web I I mean they apple music was built off of the backbone of beats music yeah. Didn't they have a web player. Yes yeah so is this just version of that. Obviously that would spend many years and so they have made it from the ground up they actually opened up Apple Music to third party Web integration listen and you could access apple music via third parties but it just seems kind of strange that apple didn't do themselves now you now they have so that's great all right well apple other last apple. That's of news you know the pros just came up talking about next year. Bloomberg had a story about next x years iphones and we talked about the potential of bringing back touch. Id under the screen and and also reduce notch in next year's phone once they get get that censor a smaller a but the other big rumor is an Iphone Five S. E. for placement a smaller iphone on could be coming looks similar to donate and have a four point seven inch screen imagine that that's small screen on a phone four point seven in St Louis they just bring back a flip phone. What is this we're back in the day the the Dell which phone was at the five inch Dell phone I when I android phones in two thousand and we were so stupid back then hey if a flip phone is good enough for Captain Rogers good enough for me? That's the spirit it's a good enough for Ironman even well no he get right right right. Hey you either use google docs all the time. Do you care about your word counts student reading only college students or you know Grad students care about counselor. No no I have documents at work aquar- it's like there's limited word count really in certain sections yeah well Google docs. It's something that's in their goal for business. We'd already bringing rolling it out to everyone will now let you you see a real time. Word Count this word Doc Makarov Word Feature Circuit to one thousand nine hundred eighty thousand going to stress every author. I know isn't it. It's a terrible terrible feature. It's one of those things that you're better off not knowing it in real time work. Council terrible is smart bitch about it. There was a new nintendo direct this past week yeah I mean just like every other Nintendo direct. There's more smash rather characters announced. I didn't think that was that big of a deal but Luigi Mansion which I like that Game Oh yeah is getting a party mode but most importantly we're getting overwatch and it's like overwatch legendary edition or something is what it's called okay I'm. I'm really excited about overwatch on switch no I I love overwatch. It's a fantastic game I mean I don't know certainly as replaced T.F. Two is my favorite wide shooter. I love it. I imagine that was a challenge to put on that hardware. Oh sure the port was exceptionally difficult and I wonder if it is going to run as well on the New Light which is coming coming out about the time the game is coming. Why wouldn't it I don't know Yep? I just don't know what the internals is. I don't remember what they are and tennis. Which online which is the subscription service need need to pay to play online but you also then get access to a library a Free Games launch last week with its snaps library twenty each nest games? You have to play including things like star Fox. Kirby's Dream Land Three Super Mario Kart tomorrow world to super tennis legend was linked to the past pallet wins zero among many others and if you want to spend forty bucks or thirty bucks you can also buy a new snus controller which charges overseas wireless controller for the switch linked to the pass was my second favorite Zelda game. I never played oh what yeah that's the one that remaking right. I think so it's coming out this month. really that's soon the seniors ending way too quickly link's awakening. That's the one that's on the switch. That's the one that the remaking Oh yeah okay. That's Gameboy yeah. I never played any games what I never had one really yeah. No I didn't have links. I had no portable game concert. We get you no. I I mean would you want was all my wife had one and so I have like you know each other back then now we did not but she kept her gameboy. I knew she he was a keeper. Okay Did you have NEO GEO now. Do you had well you can have one soon because new joe has released a KS. Bring Out Neo Geo arcade stick pro with you got a twenty preloaded games. Have we gone too far like with all the dreamcast hype last week on the anniversary I was like have we gone too far. That's those this past week as well twenty anniversary masses big deal people want that dreamcast many. How was it only twenty two years though we only twenty years a long time I feel like drink was longer term twenty years ago nine ninety nine nine nine twenty nineteen nineteen two days ago three days ago I will say just on that topic the Africa who was Gary Somebody reach weeded? Somebody's question like what was your quintessential dreamcast game. Anybody mentioned virtual tennis for me. That was the first game I ever mistook for live footage. whoa yeah I remember going over to Nexgen magazine? Yeah somebody had it on. I thought it was a tennis match. Look that good did it did to me like I'll be obviously I wasn't fooled for like days. It's not like Lego. We don't have to discuss that but I will give them props for son. Did you know how they he made this hour of the first game of the two for me I think it was real was madden for ps two three really piss must have been ps two. Yeah Madam please. It was more about the animations it was about the sideline intermissions Sion's between plays the movement the character Gotcha felt more realistic very smooth animation yeah of course it all garbage now. But what was your favorite dreamcast game crazy taxi yeah. That's a popular one crazy. Taxi is pretty Gary played that on stream he hooked up an old cow knife and so it had the original music. I'd forgotten the soundtrack to that game. Hey we didn't talk about the biggest thing to come out of Nintendo direct. Well maybe even talked about direct but they just released a a youtube video about it. It's the ring this halo ring thing. Oh the new controller yes us this motion controller that you attach your joy cons to and then you kind of vigorously yeah squeeze it doesn't jump trump is only compatible with one game for the ideas. It looks like it's going to be compatible with for fitness application so much like the the what was that the p- the platform you stood on the we the we fitness right this feels like a shaky for the switch and there's even a thigh band that you put a joy con on the wrap around your legs wow full-body tracking. It's not full-body tracking. It's one thousand three the green well the fact they know. It's on your thigh will allow to approximate how your hip is that it could approximate doesn't know height input in how tall you are and know how where your hip is about you then he can give you some positional tracking with your time movement or also force feedback and a little bit of Romo feedback right on your side again. Ah Weird I mean joke. I think some of the some the we we fitness APPs actually not that bad but I don't. I don't know what this looks like for the switch and then moving on lots of Technology News Hey. LGBT's getting G. sinked support through a firmer update. Hey this year so you get up to one twenty hertz smooth frame or if you plug your architects card into games on these TV's now you could you could totally people do what people do and then Oh. The equifax Equifax settlement the important if you filed eld claim to get one hundred twenty five dollars. You probably won't get it. I mean I thought they were going to get me you. Yes what do you do you have this service that you it spent money on to stick it to Equifax because I was not going to let them not have have the full settlement. Apparently they only have thirty five million dollars set aside to pay one hundred twenty five dollars and one hundred twenty million people signed about doesn't work out doesn't work out and so yeah they have now said there's no way anyone's getting anywhere near that in order to pay people a little bit more. We're asking everybody to verify that they were one hundred percent honest with us and tell us who your uh-huh what what was the service some sort of protection credit monitoring credit monitoring the other asking what credit credit monitoring service. Did you have in place because you said you had one on they know now. They'll know that ninety nine percent of the people who applied were liars well what you if you do nothing you get nothing so so that's the problem. The alternative is to amend your claim and take the free credit monitoring instead screw that noise no eh no last bits of news. This should have been in pop culture. We got a new Lego Star Wars set a new UCS model kit it is a four thousand seven hundred eighty four piece so goddamn Straw. Come on this is for you. I have the video in the background. Does this bring Maksim Nostalgia of that time when you lost your mind and you took a fully built and functional star Destroyer and crashed crashed it into the death star Yes yes. I want to do it again. This is so this is a revamp of the previously. UCS destroyer that was the three thousand pieces and it was done released in two thousand and two but this is not only more pieces fifteen hundred pieces but bigger as well so so is this. Is this the biggest ucs ever know number of pieces by Falcon is still. I think August six thousand pieces this is forty forty eight hundred pieces essentially look at this camera shot. This is a good this L. Shot Watch. This camera somehow goes between the fins of the Star destroyer this a small length. Whatever this part I mean I suppose it could have been right up on it that gossiping? CG That's this is real and then they're not going to see. Jesus is probably a really nice as well shot. Wash wash cropped in. Maybe so it's forty three inches long. Yeah that's big. That's three and a half feet yeah. That's huge it really. It's I duNNo. It's kind of if I love Star Wars but this is a monotone built well that was a big complaint with the two thousand and two release of the the USA shortly that it was really repetitive bill and structurally it didn't feel that strong because the sorcerer's unlike the superstar store has a lot more volume. It's a little more taller I still think the UCS superstar destroyer is it.
"equifax equifax" Discussed on Newsradio 700 WLW
"While revenue beat Gina Cervidae Bloomberg radio our time is five forty Chuck Ingram stands by this morning a little and I'm doing fine thank you we made it to another Friday as we did was we did so just once again I'm gonna miss everyone if you will till Monday morning you have this news yesterday as you probably know Equifax Equifax data breach right yeah big one yeah line seven hundred million dollars well first the lawyers get their cut so the seven hundred goes down to four twenty five for twenty five million how many people had their information hacked one hundred and forty seven million so everybody gets three Bucks the lawyers get well like three hundred million yes and the the average person gets three long something unfair about that distant thing I don't understand that math got people so security numbers birthdates addresses driver's license numbers credit card numbers and in some cases data from passports so yeah well first of all you have to file to get your three dollars and I'm sure it's what fifty cents for a stamp by now you're down to two fifty all but wait you're not including her free year of service I got I can be that for being hacked I believe so if I'm not mistaken it was one year I got that too I forget who I was hacked through but at the one year of a server but I'm already covered already have a service for Latin so you've got to add to what the that value into your three Bucks well you know what the value is they already have the information you know here will make sure nobody gets the information they already have so there's a math Fauria does anything happening on roads this morning quiet so far especially on the expressways.
"equifax equifax" Discussed on WJR 760
"No matter how you use social media Twitter Facebook Instagram WJAR is there for you W. J. R. rate hi welcome back Rush Limbaugh executing a sign hostilities flawlessly zero listing I do with the signing you know on a household name in all four corners of the world hate me on Federal Trade Commission announced today a settlement with the credit monitoring company that suffered a data breach that affected nearly a hundred and fifty million people this is Equifax Equifax will pay nearly seven hundred million dollars to compensate those affected by the data breach and some fines in order to resolve the problem now that amount alone underscores the magnitude of the security breach that occurred as a couple years ago and we we it took us a year to learn it security breach happens they don't announce it for a year Equifax nearly one hundred fifty million people's data online credit card information the credit eight all that stuff was compromised the people didn't know it for a year and if your data was involved in this breach well you were exposed and did not know it there was enough time for bad people on the internet to buy and sell your identity data and use it for their own gain now you know what's coming next is a way to protect yourself there's a way to guard against this vulnerability.
"equifax equifax" Discussed on KQED Radio
"San Francisco KQ we I north highlands Sacramento from KQED public radio in San Francisco on Michael Krasny tensions with Iran I'm going hacking of the U. S. by Russia China and other foreign powers cyber threats are in the news and what keeps national security expert Richard Clarke up at night his concern over the U. S. getting and stared in a cyber war without shots fired several times including by the United States we have lowered the barrier it is easier to imagine cyber war initiated and once it initiates getting out of control the former national security officer in the Clinton and both bush administrations Richard Clark joins us to talk about the threat of cyber war and more that's all next after this new live from NPR news in Washington I'm Laurie London the war of words between president Donald Trump and a group of freshmen democratic lawmakers continues as NPR's Claudio we're solace reports strum called the group racist and inexperienced president trump tweeted for democratic lawmakers are young and not very smart he also accused the group of women of pulling the Democratic Party laughed and being bad for the country moments later one of those lawmakers representative Rashida to leave of Michigan head back speaking at the annual and double ACP convention in Detroit she responded to the president's suggestion she and the other lawmakers needed to go back to where they came from Claudia any solace NPR news Washington reddit bureau Equifax Equifax will pay consumers up to seven hundred.
"equifax equifax" Discussed on KNX 1070 NEWSRADIO
"K. annex companies get hacked we hear about this all the time our information is compromise one of the big ones couple years ago was Equifax will now there's a big settlement and there's talk about to consumers getting something out of this let's find out more from can extend seventies great Victor chances are people listening right now that affected by this could have something coming your way this massive settlement to be announced this morning by California's Attorney General it is against Equifax Equifax to pay a nearly nineteen million dollar fine to California with us on it remember this data breach exposed socials other sensitive info for a hundred forty seven million Americans so basically half the country the majority right here in California I just want to say that on behalf of the fifteen million Californians his information was exposed we expect better your business model was based on collecting in maintaining the most sensitive information on folks and you let us all that former California congressman Mimi Walters grilling the Equifax CEO the settlement does holds numerous state and federal investigations against Equifax and in and here's the deal now the credit reporting company is also shelling out for twenty five million dollars as a restitution fund for victims but still unclear who gets that money how they qualify how much they'll get we'll know more in a few hours from our Attorney General reporting live Craig figure can extend seventy newsradio sort of the red cross will open a special service center today and sambar and then accounting in trona which as you know is said to have her hard by those earthquakes earlier this month and the local post office will re open for the first time since then as well least thirty one homes and businesses in front of a red tag because the quake which also caused some damage in rare ridgecrest as well the lands are moving forward to build this memorial to the victims of that shooting at the borderline bar and grill one thousand oaks a local park district hopes to start work in September on what's been described as a healing garden plans to have it finished by November seventh which would be the first anniversary of that attack of Angelus not remembering the victim of the trader Joe's hostage situation and several like exactly a year after the incident well it's been a year since belly Corrado got caught in the crossfire during a shootout between police and a suspect inside the store one of her close friend says it feels like just yesterday and the pain is very real many things remind me of my league but while these memories make me.
"equifax equifax" Discussed on Bloomberg Radio New York
"Federal Trade Commission and others over a twenty seventeen data breach could expose private information of a hundred fifty million I'm Michael to stem Bloomberg business week the thing Kelly earning season in full swing Hillary Kramer of A. NG stops by to make sense of it all and the fed remains in focus to look at how it's impacting the markets today at two eastern on Bloomberg radio Bloomberg world is listening market twenty four hours a day the Bloomberg business on Twitter Berg business slash and I'm here in Moscow in European stocks are rising U. S. stock index futures are as well as investors weigh fresh developments in the outlook for monetary policy and look ahead to more corporate earnings boil gaining attention to the Persian Gulf we check the markets every fifteen minutes throughout the trading day on the Bloomberg right now I should be futures are up about eight point two Dow futures of fifty five nasdaq futures up thirty two that action Germany's up three tenths percent ten year treasury up three thirty seconds till two point oh four percent the yield on the two year one point eight two percent NYMEX crude oil of one point one percent or fifty nine cents to fifty six twenty two a barrel call my school that'll change at fourteen twenty six thirty announce the euro one point one two one zero against the dollar the yen one oh seven point nine six Halliburton the world's biggest provider of fracking service is rejecting foreign demand will continue to grow into next year outpacing the shell patch in the U. S. the company reported second quarter earnings that were better than analysts were looking for sources tell Bloomberg unicredit is considering thousands of job cuts and slashing operating costs as part of a new strategic plan to be unveiled in December and Equifax Equifax agreeing to pay up to seven hundred million dollars to resolve U. S. federal and state investigations into the twenty seventeen hack that compromise some of the most sensitive information of more than one hundred forty million people and that's a Bloomberg business slash coming John say so much can greatly appreciate what a double team is now written canon courage for this first the equities in on the markets and then we'll dragon Michael McKee buys left here to help us with banking for John talking up the ECB meeting a lot is Cameron I was thunderstruck over the weekend by not so much the gloom but the harsher in research report after research report what does it mean to you not when everybody's polarized book their job Ste cautious what is that signal do you well I mean you can take it two ways right you can you can say well.
"equifax equifax" Discussed on KFI AM 640
"Johnny Jackie's here. He's been everywhere. Hello, johnny. Where have you been since? I saw you last Monday, I flew to New York City. Okay. The night there book the hotel was on the plane using hotel tonight. Wow. Dollars. Yeah. The wifi. And then hotel Renwick which had never even heard of. Charles. You have to do that the night the day that you're gonna stay all right now used to used to have to do it at noon, and then they change it to nine AM. And now you can do it way in advance. Because the whole idea was hotels are like Cadillac air airplanes. If you know if the if the night goes by rumors unfilled, they've lost all of that money. So they'd rather get one hundred twenty bucks than two hundred fifty bucks. But they don't wanna do it until it's like the last minute. Exactly. But you still check we can advance tweaks and whatever you want to check off a better price the closer. You get I believe you do. I haven't looked at the data. But I believe you do, but they do have hotel today, by the way has a new thing called. I think it's like a daily drop deal. So you have fifteen minutes, you slide it, and it gives you fifteen minutes for one deal in the city that you're looking for and if you want it, you grab it otherwise you have to wait twenty four hours for another deal. And when I did it was like a Hampton in which I did not want to stay. So it was only sixty seven dollars while. But that's even hundred twenty in New York City is very cheap. This is something that this is a pet peeve. Yep. Every app used to be just games. But now every app is is adding gambling to the app. The call a game if occasion. And and this is an example perfect example game affected by making it all you gotta do this. Oh, oh, I hope I get a big payoff. I think it's kind of manipulating your lizard mind. Yeah. Well, I mean, listen minds air to be manipulated baby. That's why we have lizard minds. Your monkey mind. It's one of them. I don't know. What thing by the way, when you usually hotel today or any if you're booking anything online or just a hotel in New York City because of these hotels, especially Marriott properties, and Starwood they charge a resort fee. Basically in the city. It's an urban city fear something they call, and I know I love Marriott hotels, but I do not like these fees. They charge. Luckily, you can go through hotel tonight and read down to the bottom. It says, well, this would tells going to try to tell your good resort fees, but someone knowing because you can't say no, you can't say, no, I'm not gonna use the sauna. I don't wanna pay for that. So this is why I booked Hilton this time because they do not charge. It. You know, some of the hotels one at forty five dollars. Zarifi New York has an occupancy tax too. That's fairly hefty at many. So that's included that was included in the price on hotel tonight. Oh, it is good. All right. But the, but the, but if they do have like an urban city, fear, whatever they call it that is not. So that the pay extra for. Hey, it's it's dirty. We gotta clean the window sills every day, that's gonna cost you. Well, speaking of Starwood, Mary, it I don't know if you saw this week that they came out with a website. So to find out if you were one of the eight million people. Hacked excel thing about yes, you have to put your information down. Yeah. And then they're gonna let, you know later time if you were one of them. So I was gives you information. Maybe we'll tell you see let me tell you something about that. Don't do it, Johnny. And I'll tell you why I didn't the best guess of our intelligence community, which unlike some I still respect is that that Marriott hack was by the Chinese government was Chinese nationals. It will never much like the the experience experience hack or what it was it equifax equifax hack right with at equifax data was never ever seen. Again, wasn't put on the dark web for sale. The same thing with this Mary at data. It's believed by our intelligence community. It's the Chinese doing the hacking, and they keep it themselves. I'm not trying to make money on your credit card. They're trying to track Chinese nationals and US spies and what better information than hotel registration hotel. Loggins passport numbers that kind of thing as a very valuable asset for them. So this was espionage in the traditional. You know, you know, spy-versus-spy style and probably in other words, nothing you need to worry about. So there's no reason to give Mary. Any information presumably, if you if you were a account holder and SPG account holder? They already have that information. But. And to make it clear. This is really it's not a married hack into Starwood because it happened before Marietta bought them. And so I think got raw deal. Nah. Actually, a Chinese company was going to buy them before merit. They actually won the bid. And then they backed out which is. Thank you. It's a lot cheaper. It's it's really like a movie plot. But I just put in the chat room the website. And also, but don't do it. I mean, I didn't do it because I didn't trust it. And you you it. More information. I mean, presumably if you're at SPG account holder. They already have that. Right, right. I mean, they have nine. You don't have your passport info and stuff like that. No. They don't ask for that on that page. Either. Hope I I didn't click it. Yeah. What at times seven with the equifax hack. It ended up being away for them to sell you credit monitoring. It's like, no, no dudes blew it. But I know it seems strange to say it's reassuring to think that it's not hackers is not thieves. It's Chinese government. But honestly, unless you're a spy, it probably doesn't impact you. They're not gonna sell your credit card information. Good good to know now. So actually from you could do it our chat room CR one says, you could also just check with Putin and see. Go ahead. What else? That's funny. From New York. I actually without the in Connecticut for a day. And then I went down to Florida to see my dad, I flew the 737 max jet for the very first time. What's that? Like, so everyone online was American Airlines at least everyone's ragging on it. Because it's a really tight in the bathroom is so small that, you know, if you're overweight, you're gonna have a hard time getting there and the sloop is the size. Although I actually I might have just been delirious from being so tired. Oh, I thought it was funny. But also when they say max, they don't mean maximum room. They maximum passengers. Well, basically, they do remind me and then. But what I? But I thought I'd tell you about Briggs. And Riley, which I know you love those guys. That's all my luggage is Briggs and Riley. So they have a they have a thing called a random act of kindness day which was last week, but it's goes all month long. And so if anyone has a spare spare old luggage, it's in good condition. I do you bring it into one of their stores their stores all these luggage stores. They have it online. I just put the link in the chat room. And also, I tweeted it almost every state has multiple stores, and they'll give you a hundred dollar credit towards bag and that way, and they donate those old bags to make a wish foundation to the Salvation Army goodwill or local charity foster home women's shelters. So just another reason to love Briggs. And Riley, aren't they great? Yeah. Last year, they donated more than fifteen hundred pieces of gently luggage is what I like to refresh my luggage. He gets dirty in those planes. I keep mine I've I've had my roller bag for almost ten years. And I've really beat these things up. That's why I love them because they have a lifetime warranty. So. On my roller suitcase were actually my wife's the wheel came off. And I brought it to a local store store, and they put it on for free. They repair it for free. That's briggs. And riley. Yes. Yeah. Yeah. They don't pay me either. I wish they would pay that. I agree. I've never ever been done that I just send the money, and they sent me bags. It's an amazing thing. Johnny jet. You'll find a jet.
"equifax equifax" Discussed on KQED Radio
"To very much meaningful data at all right well I think what you're referring, to is what in in this. Blockchain land is called a central point of failure if if somebody gets. Into equifax equifax has all of our credit records right, and can can immediately get access to them and take them all or bring down equifax and there's no. Kind of I mean equifax have one backup but you know. Equifax is that central, point of failure with a block and, you. Have a lot of different people keeping it so even if, they hack into one person everybody else can see can see oh, this, person this one node on the network is trying. To do something funny we're just gonna start ignoring him, and and so that person it's much harder to sort of add bad entries at the. Idea of this orig- With bitcoin, wise, you don't want somebody to be able to suddenly say oh I have fifty more bitcoins than I did a minute, ago everybody, on the network is, supposed to be, able to say no that's not true that was the kind of origins of this that you can't even if. One person is goes bad everybody can figure, out to very quickly that we're, gonna, stop trusting, that person and we're gonna go with the records that we have. Between us I see so how, are different industries using blockchain then and that might also help to explain why it's secure and how it functions Well the every industry out there I think, every fortune five hundred company at this point has a blockchain working group or task force. Trying to figure out how to use this and I. Think, at this point, it's still a little unclear how many of them are, really, going to be able to use this but I mean essentially. Anybody who relies on data I think see some potential here, that, this is a. New way of keeping data that's potentially more secure easier to rely on our kind of internet connected. Age I mean data is everything you know this is why, Facebook and Google, are the most valuable companies out there because they they control data. And so. Control of data is sort of everything in? An online world and this is sort of new paradigm for controlling data now You can sort of dig down into any one industry and and and. Think about why, it might work for them and how might be more secure for them but the idea here. Is here's a way for us to to secure. Data I think you know one place maybe to start because it's it's one of the places you've seen a lot of progress so far and. I think it's it's something that maybe people can understand is thinking about like a package going through a supply chain and as its. Tracked between all, the people who touched that package. You know your your package that comes from a warehouse in Kentucky and as it moves to you it's touched by all of these different people and with a. Blockchain I, think the idea. Is you, every person who touches that can make an entry onto the blockchain and everybody can, see where the packages so you know it's sort of like the FedEx package tracking that. You can do on your computer right now FedEx has. To To do that And they're the ones who. Are entering everything they're the ones who are keeping that ledger. With, the blockchain theoretically you can have all of these different people making contributions that everybody. Can immediately see and that's that's hard. To tamper with it's hard to kind of take the package out of the system or for somebody to lie about. Where the packages so that's just a sort of a starting point as to one place where this is starting. To take off you're seeing a lot of companies start to use it for sort, of, tracking, things, tracking objects tracking digital information. Across the, world like, Maersk the ship the big shipping company has has is doing a big, project on this the Hong Kong Monetary authority just teamed up with a bunch of with a bunch of other governments and banks to try to sort of..
"equifax equifax" Discussed on KQED Radio
"To very much meaningful data at all right well I think what you're going, to is what in in this blockchain land is called a central point of failure if you know if. Somebody gets into equifax equifax has all of our credit, records right and can? Can immediately get access to them and take them all or bring down equifax and. There's no kind of equifax may have one backup but you. Know equifax is that central point of failure with a, blockchain. You have a lot of different people keeping it so even if, they hack into one person everybody else can see can see oh, this, person this one node on the network is trying. To do something funny we're just gonna start ignoring him, and and so that person it's much harder to sort of add bad entries you know at the. Idea of this originally with bitcoin wise. You don't want somebody to be able to Suddenly say oh I have fifty, more bitcoins than, I did a minute ago everybody on the network is. Supposed to be able to say no that's not. True that was the kind of origins of, this that you can even if, one, person is, goes bad everybody can figure out very quickly that were gonna stop. Trusting that person we're going to, go with the records that we have between us I see so how are. Different industries, using blockchain then and that might also help to, explain why it's secure and how it functions Well every, industry out there. I think, every fortune five hundred company at this point has a blockchain working group or task, force trying to figure out how to use this and I think at this point. It's still a little unclear how many of them are. Really going to, be, able to use this but I mean essentially anybody who relies. On data I think see some potential here that this is, a, new way of. Keeping data that's potentially more secure easier to rely on you know in our kind of internet connected. Age I mean data is everything you know this, is, why Facebook and. Google are the most valuable companies out there because they they control. Data and. So control of data sort of everything in? An online world and this is sort of new paradigm for controlling data now You can sort of dig down into any one industry and. Think about why, it might work for them and how might be more secure for them but the idea here. Is here's a way for us to to. Secure data I think you know one place maybe to start because it's it's one of the places you've seen a lot of progress already so. Far and I think it's something that maybe people can understand is thinking about like a package going through a supply chain and as. Its tracked between, all the people who touched that, package you know your your package that comes from a warehouse in Kentucky and as it moves to her you it's touched by. All of, these different people and with a blockchain, I think, the idea is. You every, person who touches that can make an entry onto the blockchain and everybody can see, where the packages so you know it's sort of like the FedEx package tracking that. You can do on your computer right now FedEx has. To To do that And they're the ones who. Are entering everything they're the ones who are keeping that ledger. With, the blockchain theoretically you can have all of these different people making contributions that everybody. Can immediately see and that's that's hard. To tamper with it's hard to kind of take the package out of the system or for somebody to lie about. Where the packages so that's just a sort of a starting point as to one place where this is starting. To take off you're seeing a lot of companies start to use it for sort, of, tracking, things, tracking objects tracking digital information across the world, you'd like. Maersk the ship the big shipping company has has is doing a big, project on this the Hong Kong Monetary authority just teamed up with a bunch of with a bunch of other governments and banks to try to sort of. Do trade finance any place where you see a bunch of people coming together to assemble records is there's some of the first places where where this is gaining some traction And that's probably why, I guess and it's being considered a game..
"equifax equifax" Discussed on News 96.5 WDBO
"Oh yeah yeah guests who runs it equifax equifax the very people who have led to this horrendous national problem that will go on for the rest of our lives with identity theft they are running a database for generally it's used by the nation cell phone carriers and i think it's also used by some of the cable tv and satellite providers so when they do a credit check to decide whether or not you're okay to give cell phone service to or to give a pay tv if you have not frozen this obscure database then your information could still be traded on l legally okay so we had a we actually had a call not too long ago from someone who had their credit frozen and criminals were able to go open new cell phone plans as if they were them well so it's like i i'm always reluctant to get into more obscure databases because they don't want people to shut down like now you want me to do something else and then you're gonna add something else as well but this is a step that if you're motivated it doesn't take much time at all and the website is in c t as in tom you e dot com okay provided proper military lingo tango thank you very much clark i will go ahead and do that also.
"equifax equifax" Discussed on The Site Shed
"Personal loans collins so just for the listeners out there this is the real quick quick recap on equifax equifax is a stratus primary central credit agency ted a few name changes the years is is it's bena quieted by was by cool but it went to vader into equifax a qu'avec squad lodge us company of sod belated probably serves the scientists in the us will but they just becoming this information cinta so the banks of feeding information a land titles around property ownership fades information and they just building so much technology around dot data that it's becoming just the central reporting system if we should back couple years if you had a cow line the only why could find out if you're a good pyeho was we literally had to cole who have you had that colin with and i'd give us a reference of the fun not all the banks have moved across to these yet but going forward that colin and you'll payment history will be represented on the credit fall so no longer the banks have to make menu coats to get references on you it's gonna seat on new credit fall and this is a tip listeners as well when you have a line any top along whether it's personal line a colline make the pilots on time when they do we got off one of the questions we ask us have you had before yes i have did you make all your payments on time i might yes i might oh my payments that's not what i asked did you make them on time all look other missed a couple of days here neighbor always bite it up a couple of days off the thanks except that that information is now being centrally schooled against you central credit school so that basically if if you to is light three days light and you do it for five six times a lot of people think of psychiatry just missed by couple of days the banks don't thing that too big ceptable you need to make them on time it's it's really crucial because it's no longer once upon a time if you had that impacting in the bank made a credit reference coats who the bank the personally other end of other into the fine may have looted going yet it was satisfactory might cause it was quite a gray area was lose quote a m subjective definition of what that person deemed to be satisfactory now a lot of that information quiz it's going to be centrally schooled the person can looking at credit fog i will busies colin he missed that i missed that prime any misstep and they just gonna say unsatisfactory credit history declined really really really really important the people don't think that missing it by one or two days acceptable because the banks getting smarter and the technology is there that they want that to be acceptable they don't wanna lend money to people but mistake payments sorry i digress on that but it it sort of reminded me to listen on the putin's of getting that stuff very relevant absolutely so.
"equifax equifax" Discussed on Off The Hook
"We're we're basically compromised because somebody didn't have a password on a particular particular system here's one ticket fly ticket fly site is still offline you've got to take it fly i never heard of them before take a fly dot com there's still offline as of now six days after being hacked and hit with a ransom demand many of the venues and promoters that serves we're coming back online clothing flagship clients i m p in jam productions but an analysis of database posted publicly show that the personal data twenty six million users was stolen you know that's a serious deal that's certainly much more serious than what we're reading about in in in that particular story and it's not just a tax sometimes it's just things that are left on laptops left online with no password whatsoever ardita data is constantly being compromised yeah the type of data really really does matter because it could be just a bunch of passwords maybe disassociated from things things that are unintelligible or things that are like sales figures that maybe internal but you know really of not very much consequence or things that you could find publicly that happen to have been sort an internal machine but are discernible from whatever tax filings or other sort of public documents so it really does matter that's of course in stark contrast from other forms of data like with sort of credit agencies as we've seen private data collecting firms like equifax equifax and all of these sorts of things but but then you also have the sort of governmental stuff where you have like the government personnel office having been hacked and so on and so forth it really does you know you have to have that a distinction to understand the context of of what that means for having those databases exposed yeah i mean i'm not necessarily saying that there should not be a penalty i'm just saying i'd like to know the fan.
"equifax equifax" Discussed on This Week in Tech
"Yeah i mean i i don't expect you know marta vestager to come to my house skinny a subpoena but i but what if somebody sued us would we'd have to respond to that right yet see within seventy two hours give them the data the dates that you have on them which is unreasonable i do think that they could possibly have done it in a slightly more organized way but the actual requirements on this you say about it took you about thirty to forty hours to me thank god yes and there are websites i think we used a website do a bunch of check boxes you pay them a fee pr as a service yeah yeah doing that that is basically is my cloud provided gp gdp compliant yes fund donny's worry about pointed out that if you're not gathering a lot of information if you're knife you are doing the right thing this isn't onerous but there are some owners things for instance if there's a database and i i'm kind of in favor of this but i've i've heard the companies are are a little trouble by if there's a data breach you have seventy two hours to report it to your customers oak i'm all for that i hate cut companies have like yahoo didn't tell anybody for months yeah equifax equifax yeah but at the same time many companies inc seventy two hours is actually an unreasonable deadline not merely for the difficulty but also because of security issues it may not be appropriate to say this is happening until we've locked it down we figured out what happened and that's seventy two hours is not enough time so i have mixed feelings about this i guess some of this comes down to how it's how assiduously it will be enforced that's going to be the key to it and i think it wouldn't be used to buy some politics whether you use going on this.
"equifax equifax" Discussed on Clark Howard Show
"Fantastic for creating financial independence for yourself pat is with us on the clark howard show hello pat hi i'm husband mayer great friends ears well i'm glad for that you're helping your daughter now i guess what's going on with her so we took your advice and all three of us froze our credit when the experience thing happened and you mean you mean equifax equifax give credit where credit is due for messing so she's looking for a job and they did a background check on her and then all of a sudden you don't have the job and no reason why someone told her that freezing your credit if you bad background check and so i wanted to find out if that was true will they have to an employer has to ask your permission to check your credit they did that yeah and if they do so then she is going to have to thought her credit temporarily while they're doing that credit check background thing they should have when they did the background check it should come back that there was a credit freeze and that she needed to do all i should've asked her for that right so that's that's sure that that's the reason she didn't get the job but we're worried that that was problem could be a problem right well tell you the war jer employer the less careful vr with how they do these things and they have so many applicants at large employers that any hiccups along the way they just eliminate people.