Was watching Frank Abagnale (Catch me if you can) who said the information is rarely immediately used. It's s usually vaulted for a couple of years before being sold. Best to keep credit frozen.
When I read about the Flagstar breach I thought about what a RON breach would be like. I can't think of anything with more personal data on it than a loan file. FBI file maybe?
"Hackers don't cause breaches, people l e do."
http://youtu.be/FsXlThlI7Ic
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