Randomness Dos

[MalkinIsMyHomeboy]

Bah, not eligible...my good friend, who wasn't aware of this, was though...drinks on him...

you're the one with the safe credit profile, you should be buying drinks with a loan

[shoeshine boy]

mucho thanks for this. my SO works in cyber security and told me about this breach right before the news broke. it's shocking how long these companies wait to publicly acknowledge these things when they know MONTHS in advance. and the execs cashing out their stock before going public, like no one's going to notice that?

[NTP66]

IIRC, some of the execs who cashed out before the news went public are being prosecuted.

[NTP66]

What are the odds that, out of the 147 or so million people affected, at least half a million of them opt to go the cash route? There's only enough cash to fully fund 250k claims, and the disbursement will be lowered at claim # 250,001. Makes me wonder if credit monitoring is the way to go with this one.

[Gaucho]

[NTP66]

[shafnutz05]

Got a little lucky today. I went to plug in our pressure washer and realized that the plastic cover around the plug was broke and the inside was exposed. So, without thinking, I reach down to unplug it, and stick my finger right into the metal part. Gave me a good jolt in the left arm, and tingled for a little bit. Kind of surprised I didn't get shocked worse tbh.

[Lemon Berry Lobster]

120 will wake ya up

[NTP66]

Hopefully the jolt killed Ned.

[Kane]

No need. Our lord and saviour c2i killed Ned.

[count2infinity]

[Troy Loney]

My reading is that the $125 is only available if one is already paying for some sort of credit-monitoring service. I'm not currently paying for credit monitoring, so I think my only relief will be to sign up for the free credit monitoring.

Do you have to pay for monitoring?

I have a credit karma account and they monitor your credit. They seem to provide the same service that any pay credit monitoring item would perform.

[count2infinity]

My wife got her credit up over the 800 point mark... no clue how, but it shot up over 40 points about a month ago.

[tifosi77]

The two reasons I've heard that can sort of give a random boost to credit is if the oldest account on the report hit a milestone age (like it went from six years old to seven years old last month), or if an issuer boosted the credit limit thus reducing utilization %. There might be other factors, but those are the two that immediately come to mind.

I got an AmEx/Delta Airlines around two years ago, and they keep bumping my limit up every six or eight months. I've had I think four limit increases since I've had the account, none of which I asked for.

[tifosi77]

As an aside, a while ago I did a thing on Credit Karma to predict the change to my credit score if I closed my oldest account. It predicted my score would go up a few ticks, which prompted a real error message that said, "Um, this was unexpected. Try this again, there may be something wrong." So I did go ahead and cancel that account a few weeks ago, and it was just reported to the bureaus earlier this week. Sure enough, my score went up like seven points. lol

[NTP66]

My credit score bounces around due to the amount of Citi cards I get, but you'd think that after a few dozen of them in a three year span it would take a massive hit. Nope.

[NTP66]

My reading is that the $125 is only available if one is already paying for some sort of credit-monitoring service. I'm not currently paying for credit monitoring, so I think my only relief will be to sign up for the free credit monitoring.

Do you have to pay for monitoring?

Nope:

You must have the monitoring in place when you apply. Note that it does not need to be credit monitoring that you pay for, according to Federal Trade Commission spokeswoman Juliana Gruenwald. The free monitoring you can get from some personal finance sites qualifies.

[NTP66]

FWIW, Credit Karma monitors both TransUnion and Equifax, while Discover Card monitors Experian. Those are all free, so I'm going the cash route.

[Shyster]

Nope:

You must have the monitoring in place when you apply. Note that it does not need to be credit monitoring that you pay for, according to Federal Trade Commission spokeswoman Juliana Gruenwald. The free monitoring you can get from some personal finance sites qualifies.

Thanks. I believe AMEX and Capital One both offer some sort of free credit-monitoring services, and I'm already a cardholder of both, so I think I'll sign up for one or both and also take the cash route.

[grunthy]

FWIW, Credit Karma monitors both TransUnion and Equifax, while Discover Card monitors Experian. Those are all free, so I'm going the cash route.

Yeah I am going cash route because I already have monitoring.

[NTP66]

The only thing that gave me pause was the $1m insurance on the monitoring offered, but I don't believe that they'd offer that if they didn't think they could get out of ever really approving a big claim. I took the $125 and filed for the extra 10 hours of effort. I'll probably spend the $3 I receive on ice cream.

[tifosi77]

I have monitoring from two different card issuers, CK, and a former employer. I think I'm covered.

[NTP66]

And let's be honest, monitoring isn't going to do a god damn thing. This may finally push me to freeze my credit at all three bureaus online, and just unfreeze them when it's time to churn a new card.

[Kane]

I was out staining my front porch this afternoon when I noticed a big hole in one of the columns. I was getting ready to clean up for the day, so I grabbed the caulking gun and filled in the hole with a blast of latex so it would dry before I resume staining tomorrow. Half hour later a big-ass Bald Face Hornet was out there flying around and trying to find it's home.

**** you, buddy. You dead.

[Shyster]

https://twitter.com/cmgaldre/status/101 ... 44?lang=en