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DoNotPay is an American company specializing in online legal services and chatbots.The product provides a "robot lawyer" service that claims to make use of artificial intelligence to contest parking tickets and provide various other legal services, with a subscription cost of $36 for three months.
In 2017, consumer credit rating giant Equifax suffered one of the country's largest data breaches, exposing the personal information of 147 million U.S. citizens, or roughly 40% of the population ...
In fact, the agency says the credit monitoring is arguably worth more than the cash, given that the service monitors your credit report at all three national credit reporting agencies -- and it ...
An Equifax internal audit in 2015 showed that there was a large backlog of vulnerabilities to patch, that Equifax was not following its own timescales on patching them, that IT staff did not have a comprehensive asset inventory, that Equifax did not consider how critical an IT asset was when prioritising patches, and that the patching process worked on an 'Honour system'.
Equifax will pay up to $700M to settle with the U.S. and states over a 2017 data breach that exposed Social Security numbers and other private information.
In Canada, this has led to TransUnion and Equifax not offering any form of credit freeze (instead directing consumers to their paid identity monitoring services, which have been described as 'ineffective'), until the passage of Quebec's Bill 53, the Credit Assessment Agents Act. [6] [7] Lifting a credit freeze requires a PIN. [8]
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However, financially secure individuals who do not use multiple credit cards, or who self-finance expenses, may be inaccurately assessed a lower credit score. [72] Some have blamed lenders for inappropriately approving loans for subprime applicants, despite signs that people with poor scores were at high risk for not repaying the loan.