Arnold Clark cyber breach
Discussion
So i got the letter from them that they are confident that my details (account number, sort code, email address and address) were obtained from the attack late last year.
THey've offered 2 years of some premium equifax credit monitor service that seems a bit like the horse having bolted. I'm not one for getting my compo face on but if anything happens with my identity or credit rating is there any recourse? The thread on MSE seems to state that they are untouchable because they fessed up and offered a service to make sure we can get ahead of any breach but surely it's all just a little too little, much too late?
I am super paranoid about my credit rating, i spent a long time rebuilding it after making some questionable decision when i was much, much younger.
Mods - If there's a thread already then let me know, i'm mobile at the moment and search isn't returning much.
THey've offered 2 years of some premium equifax credit monitor service that seems a bit like the horse having bolted. I'm not one for getting my compo face on but if anything happens with my identity or credit rating is there any recourse? The thread on MSE seems to state that they are untouchable because they fessed up and offered a service to make sure we can get ahead of any breach but surely it's all just a little too little, much too late?
I am super paranoid about my credit rating, i spent a long time rebuilding it after making some questionable decision when i was much, much younger.
Mods - If there's a thread already then let me know, i'm mobile at the moment and search isn't returning much.
There was this thread on the subject from a couple of weeks ago - https://www.pistonheads.com/gassing/topic.asp?h=0&...
Not sure whether the early part of the thread covers more on the legal side of things though. As it appears, by the end, 1 specific poster took the thread rather off tangent about how him living in the countryside meant he was protected / unconcerned about such trivial things
Not sure whether the early part of the thread covers more on the legal side of things though. As it appears, by the end, 1 specific poster took the thread rather off tangent about how him living in the countryside meant he was protected / unconcerned about such trivial things
I'm in the US and I have (so far) been part of 3 breaches.
Anthem Blue Cross was the biggest and they gave everyone two years of free credit monitoring. I also subscribe to Credit Karma which is a free app that monitors your credit and gives you your credit scores at the press of a button (not sure if it's in the UK). A few months into my free monitoring period I leased a new car. Credit Karma pinged me within 5 minutes of the credit app being submitted telling me that my credit had ben pulled. The credit monitoring agency paid for by Anthem also pinged me. 6 weeks later!
Anthem Blue Cross was the biggest and they gave everyone two years of free credit monitoring. I also subscribe to Credit Karma which is a free app that monitors your credit and gives you your credit scores at the press of a button (not sure if it's in the UK). A few months into my free monitoring period I leased a new car. Credit Karma pinged me within 5 minutes of the credit app being submitted telling me that my credit had ben pulled. The credit monitoring agency paid for by Anthem also pinged me. 6 weeks later!
I subscribe to Experian due to some dirty thief trying to get credit in my name a little while ago.
They have a feature where you can lock your account so no one can apply for credit at all - not even you! Just need to remember to unlock it when applying for credit. It doesn’t stop the soft searches that are done by the likes of insurance companies when using comparison sites.
I assume it only covers those that use Experian for credit checking.
Seems like a good idea to me.
They have a feature where you can lock your account so no one can apply for credit at all - not even you! Just need to remember to unlock it when applying for credit. It doesn’t stop the soft searches that are done by the likes of insurance companies when using comparison sites.
I assume it only covers those that use Experian for credit checking.
Seems like a good idea to me.
This is exactly what Barely Acceptable (BA) did a few years back when they had a breach. When we got new CCs, we also cancelled a trip figuring our travel details could have been acquired. BA fought us and ultimately had to cough up full refund for that trap for their shoddy data security.
Davie_GLA said:
So i got the letter from them that they are confident that my details (account number, sort code, email address and address) were obtained from the attack late last year.
THey've offered 2 years of some premium equifax credit monitor service that seems a bit like the horse having bolted. I'm not one for getting my compo face on but if anything happens with my identity or credit rating is there any recourse? The thread on MSE seems to state that they are untouchable because they fessed up and offered a service to make sure we can get ahead of any breach but surely it's all just a little too little, much too late?
I am super paranoid about my credit rating, i spent a long time rebuilding it after making some questionable decision when i was much, much younger.
Mods - If there's a thread already then let me know, i'm mobile at the moment and search isn't returning much.
THey've offered 2 years of some premium equifax credit monitor service that seems a bit like the horse having bolted. I'm not one for getting my compo face on but if anything happens with my identity or credit rating is there any recourse? The thread on MSE seems to state that they are untouchable because they fessed up and offered a service to make sure we can get ahead of any breach but surely it's all just a little too little, much too late?
I am super paranoid about my credit rating, i spent a long time rebuilding it after making some questionable decision when i was much, much younger.
Mods - If there's a thread already then let me know, i'm mobile at the moment and search isn't returning much.
Paulsd said:
I subscribe to Experian due to some dirty thief trying to get credit in my name a little while ago.
They have a feature where you can lock your account so no one can apply for credit at all - not even you! Just need to remember to unlock it when applying for credit. It doesn’t stop the soft searches that are done by the likes of insurance companies when using comparison sites.
I assume it only covers those that use Experian for credit checking.
Seems like a good idea to me.
Here you can lock all 3, Experian, Transunion and Equifax. It's fine until you need it. I sell expensive cars and there have been many times when customers apply for credit only for us to find the credit is locked and they've forgotten the password to unlock it. Then it takes hours of faffing about while they try to get their passwords changed so they can unlock it. They have a feature where you can lock your account so no one can apply for credit at all - not even you! Just need to remember to unlock it when applying for credit. It doesn’t stop the soft searches that are done by the likes of insurance companies when using comparison sites.
I assume it only covers those that use Experian for credit checking.
Seems like a good idea to me.
unrepentant said:
Here you can lock all 3, Experian, Transunion and Equifax. It's fine until you need it. I sell expensive cars and there have been many times when customers apply for credit only for us to find the credit is locked and they've forgotten the password to unlock it. Then it takes hours of faffing about while they try to get their passwords changed so they can unlock it.
Yeah, passwords - thing is they then end up with single easy to remember password that they use on everything, starting the cycle of being scammed again 
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