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Joined 1 year ago
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Cake day: June 26th, 2023

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  • Freeze your credit on all three bureaus. IIRC it is free for all of them, just don’t get tricked into enrolling in their credit monitoring service. You’re there to freeze and unfreeze your credit, nothing more. From then on, any time you apply for something that requires a credit check, you need to go thaw each credit bureau temporarily. They all let you schedule thaws, so just open it for a day, apply. And close it back up. Or however long your credit check takes.

    The premium service offered by these data breaches is pretty terrible. In some cases, they’ll have a clause that says if you accept, you can’t sue or be part of a class action suit. If you have a credit card with monitoring included, they will notify you way faster if your credit is run. My credit card companies email me within minutes of an application being submitted. The paid service I got from a breach years ago doesn’t let me know till about a week later.




  • On top of all that, you have to factor in the development and testing costs for the CVR or FDR too. These are usually off the shelf, previously developed components. A seemingly trivial change like bigger storage suddenly costs several hundred thousand dollars to retest and time to recertify by dozens with agencies around the world. If the regulations have not changed, then there is no reason for to go through that whole R&D process again when the same bought and paid for system works.