Skip to main content
No. of Recommendations: 10

You might want to read:

Ms. Muller-Landau, a Smithsonian research scientist, noticed something strange: The personal identification numbers that Equifax was assigning her family members (to use for eventually lifting the freezes) were awfully similar.

At first, she thought it was a mistake. Maybe it had to do with the fact that she was in Panama, or that her web browsers were acting up. But no: The Equifax PINs are based on the date and time that you set up your freeze.

Yeap. Your Equifax PIN is based on the date and time you request a freeze - which could be guessable. It certainly means there are far less than 10 decimal digits of entropy in the PIN you are assigned, making it potentially practical for a thief to crack them if they (or their systems) are persistent.

Also if you read on you'll find that Equifax is currently unable to handle a request to reset your PIN...

So while a freeze will probably deter a crook, it's not fool-proof. Especially if it's done by Equifax.

- Joel
Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.