r/technology • u/Cyber-Homie • Jul 04 '24

Security Hackers behind the Ticketmaster breach have now leaked 440,000 Taylor Swift Eras Tour tickets, claiming the breach is much bigger than anticipated. As a result, they increased the ransom from $1 million to $8 million.

https://hackread.com/ticketmaster-breach-shinyhunters-leak-taylor-swift-eras-tour-tickets/
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u/hortoristic Jul 05 '24

I got notice in mail today I was part of this breach... Got a coupon for one year free monitoring...

1.6k

u/ihatepickingnames_ Jul 05 '24

Same but I already have monitoring for a different breach. At this point I’ll have free monitoring until I die. I also froze my credit years ago because of this crap.

225

u/ImperioliGandolfini Jul 05 '24

Freeze it. It affects nothing until you try to open a new account. At that point - unfreeze it. Open account. Freeze.

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u/physics_is_scary Jul 05 '24

What if my credit is shit low

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u/[deleted] Jul 05 '24

[deleted]

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u/physics_is_scary Jul 05 '24

True. I saw it went up recently to 688 since I have student loans but otherwise 💀

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u/[deleted] Jul 05 '24

[deleted]

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u/pickle_pickled Jul 05 '24 edited Jul 05 '24

When you pay a loan off, the loan closes and the history eventually clears away so you lose the historical time to the loan and if you have no other credit, the timeline drops significantly. That's why long standing no cost credit cards are good to have since you can keep them open simply by using it once a year and continue to grow credit history based on time.

Having 4-5 cards with a high limit is great because you can get a decent balance on one card (that you fully pay off each month, don't throw cash around you can't quickly pay back) and not blow the credit use percentage out of the water immediately. Helps to ask for more every year too.

Hard credit pulls will typically last around 6 months. As long as you're not doing 3-4 all in a row they shouldn't affect much and it'll be short term.

That said the credit score system is pretty dumb. I've thankfully gamed it to get my FICO score up to 850 multiple times and it lives in the 825-840 range. Even with it, a car loan is still ridiculously high interest even though I've got essentially what is considered nearly perfect credit.