You've likely heard of 's massive data breach compromising Equifax, one of the "Big Three" credit reporting agencies, and how the incident has compromised up to million American consumers' sensitive information. Cybercriminals exploited a "website application vulnerability" to access names, birth dates, addresses, Social Security numbers, and even some driver's license numbers, according to Equifax's reports following the incident.
Credit card numbers for more thanconsumers were also compromised, as well as personal identifying info for more thanconsumers involved in credit disputes. Smith, Equifax chairman and CEO, said in a statement. Equifax learned of the cybersecurity incident on July 29,and its investigation found the attack took place between mid-May and July of that year.
Why it took more than a month to inform the public isn't immediately clear. In response to the breach, Equifax notified affected consumers via snail mail and offering free credit monitoring and identity theft protection to all U.
And after receiving queries from consumer advocacy groups, the credit bureau also informed affected consumers that they wouldn't have to accept arbitration and waive their rights to a class action suit - as required by its general policy - in order to use the free tool. Once consumers were made aware of the cybersecurity incident, many scrambled to freeze their credit files aka prohibit access and discourage fraudsters from opening new accounts but were surprised to find the personal identification numbers assigned to those credit freezes weren't all that secure - the PINs matched the date and time of when they were generated.
Equifax later adjusted its PIN generation to alleviate consumer concerns. In the days following Equifax's announcement, the Consumer Financial Protection Bureau, House Financial Services Committee, Senate Finance Committee, Federal Trade Commission as well as some state-level authorities all launched investigations into the company's data breach. Massachusetts Attorney General Maura Healey also announced the state's plans to sue Equifax over the wide-ranging incident, which affected as many as 3 million of the state's residents.
The FTC advises reviewing your credit reports from all three bureaus - Equifax, Experian, and TransUnion - to spot errors or fraudulent accounts. You're entitled to one free report from each of the bureaus annually. Visit AnnualCreditReport. Freezing your credit is "the best way to protect yourself from at least some of the fraud that could result from this breach," says Susan Grantdirector of consumer protection and privacy at the Consumer Federation of America.
You must freeze your credit file with all three bureaus individually. Once you freeze your credit, keep track of the PIN assigned to each freeze - you'll need it to unfreeze your file s later. And remember that a freeze won't stop someone from making unauthorized charges on your existing accounts, so monitor your bank and credit card statements.
It only takes a minute to sign up. What emotional association does the word hack have nowadays in the first place: negative or positive? Or for doing something in a quick, clumsy and inelegant, though functional and practically efficient way?
I agree that context gives the exact meaning used, but I wonder what basic connotation the word has by itself for a native English speaker not only for a software industry person.
There are essentially two distinct ways of how "to hack" as a verb or "hacker" person who hacks is used in the context of computing. The more traditional—and positive —meaning emphasises the cleverness of the activity. Some examples about this use:. In this context, another word, cracker see definition 8is often used in place of "hacker" to refer to those who "break computer security without authorization".
The other— negative —meaning, which is probably more recent but not at all new and more widespread, emphasises the illegality or lack of permission. In other words, "hacker" in this sense is the same as what "cracker" means in the hacker subculture mentioned above.
And yes, as you suggest, "to hack" can indeed also mean "to put together something that is clumsy and inelegant yet somewhat functional". And as a noun "a hack" means the result of such work, i. But note that "hacker", to my understading, is rarely used in this sense of "to hack", i.
To sum it upall three meanings you described indeed exist, and if you use the word you should be careful to establish the context clearly to avoid misunderstandings. On the other hand, be aware that if faced with an audience full of bearded UNIX users, using the word "hacker" in the negative way could well earn you their disrespect. One definition of hack — not the oldest, but arguably the most prevalent in places other than the Internet — is, from the OED:.
A person whose services may be hired for any kind of work required of him; a common drudge, esp. In this sense, it is certainly a negative term cf. I think all three meanings are essentially the same. To me, hacking associates with clever solutions, exploitation of obscure features or bugs of a system to one's benefit. Hacking is an an appropriate application of ingenuitywhether it results in doing something:. So I would say the term isn't positive or negative, it's all about knowing your audience and your intended meaning, and then deciding whether to use the word or not.
Which basically applies to any piece of verbal communication. Due to the fact that some of its definitions are diametrically opposed one to another and that each are used by different audience, you can not ascribe a fixed connotation to the word "hack" independently of an audience.
The general public is strictly unaware of the positive definitions for hack, and hack suggests something not-quite-legal-but-smart or something shoddily done. Not only do they not know what a Linux Kernel Hacker is, they don't even know what a kernel is, and in some case, they might not know what Linux is. Arts majors and related audience will be more familiar with the "poor writer" definition as well as the general audience's definition. A computer literate audience will most likely be aware to varying degrees of most definitions.
For a white hat Ms programmer, a hack will typically refer to a shoddy solution that works, possibly a clever one, but not necessarily.
Something substandard. All in all, I suspect hack has a negative connotation for most audiences and unless you are making an address at the Black Hat convention, you should probably consider it so.
To hack is a more postive term pertaining to doing something a different way which is a positive expression. Looking at the origin, the word hack originated from Computer Science.
In the 's, the term "hack" and "hacker" were used by computer programmers in a positive way. According to Wikipedia, the usage of the term "hack" for stunts and clever work may have originated at MIT. My impression If one is a hack; it's means: you lack inspiration, distinction or originality.Snapchat is awesome and loads of fun to use, but the app has a lot of features nowadays. This calculation of the snaps sent and received and the stories you've posted is actually what determines the trophies you have.
No other big social network uses a scoring system by assigning numbered points to its users, so what's the deal? According to Snapchat, your score is determined by a "special equation" that incorporates all of the different ways you use Snapchat, including:. The more snaps you send and receive and the more stories you post, the higher your score will climb.
It's unclear how often Snapchat recalculates users' scores, but it probably refreshes at least every week or so. It may even be recalculated every day or every hour or so to keep it up to date. Beneath your snapcode, you should see a small number right beside your username.
This is your Snapchat score. Want to see how many snaps you've sent and how many you've received since you created your account? Just tap your Snapchat score to see two numbers take the place of your username and current score. The number on the left represents the number of snaps you've sent while the number on the right represents the number of snaps you've received. If you try adding these two numbers up, they won't quite equal your current score — suggesting that extra points are earned for increased snap activity.
One thing Snapchat does mention, however, is how it can help you earn more trophies. Trophies are awarded to users according to how much they explore and use the app. If your Snapchat score reaches a high enough number, it might be enough to earn you a new trophy. You can view your trophy case by tapping the little trophy icon that appears at the top of your snapcode tab.
Other than trophies, Snapchat hasn't given us any other official details on what having a higher score can do for users. That could very well change in the near future, however, considering that Snapchat is evolving fast and rolling out new features all the time.
Back in the day, before Snapchat rolled out several different app updatesyou used to be able to tap on a friend's username to see their Snapchat score. This isn't possible anymore with the current app version, but there are a couple of sneaky ways you can check your friends' scores. These two techniques only work for users you've added as friends and have added you back.
Sorry, but you can see just any Snapchat user's score! Swipe right on any friend in your current conversations tab to open a chat with them.
You'll see that friend's Snapchat score listed directly beneath their name. Tap the magnifying glass icon at the top of any tab and start typing the name or username of a friend. Snapchat will automatically locate their friend listing, showing you their Snapchat score beneath their name.
While Snapchat keeps the importance of scores on the down-low, you can keep using Snapchat and work on increasing your score just for fun.
You can do this by:. Tweet Share Email. The number of snaps you send The number of snaps you receive Stories you post Other stuff, apparently — whatever that means! More from Lifewire.Add hack to one of your lists below, or create a new one. Heads-ups and wake-up calls!
The language of warnings. Definitions Clear explanations of natural written and spoken English. Click on the arrows to change the translation direction.
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Follow us. Choose a dictionary. Clear explanations of natural written and spoken English. Word Lists. Choose your language. My word lists. Tell us about this example sentence:.
This is a good example of how the word is used. The word in the example sentence does not match the entry word. The sentence contains offensive content. Cancel Submit. Your feedback will be reviewed. Three villagers were hacked to death in a savage attack. The butcher hacked off a large chunk of meat. He was twice hacked down in the second half by the other team's sweeper. Cutting and stabbing. You can also find related words, phrases, and synonyms in the topics: General terms used in ball sports.
Computer hacking has become widespread over the last decade. A programmer had managed to hack into some top-secret government data. He claimed they had spied on him and tried to hack his computer. Police told the actor that his phone had been hacked.Many SVG cut files use the handy score feature available with Cricut. Scoring makes it SO much easier to fold your paper and cardstock. That means you have to manually change certain lines from cut to score after you upload a design.
But I can show you how to use your Cricut scoring tools, set your score lines in Cricut Design Space, and make sure the scores stay with the right layer. Quick Links to Information in this Post. The Scoring Wheel, on the other hand, can only be used in a Cricut Maker. Both the stylus and wheel score fine, but the wheel can exert more pressure and get a deeper, stronger score.
Use whichever one you have. Which Cricut scoring tool should you use? If you have a Maker, you can decide.How to Hack Your FICO Score
To understand Cricut scoring, we first need to understand the concept of layers in Cricut Design Space. All SVG cut files, except the very simplest, have layers. You can click or tap each layer in the panel and it will highlight and select it on your Canvas. Each line item in your Layers panel shows several important things — a thumbnail of the layer itself so you can see a general shapethe color or lack thereofthe linetype attributes such as cut, draw, score, or printand whether it is visible or hidden.
By default, all score layers come in with the CUT linetype. But score layers are intended to be cut; they need to be scored. This particular project, like many other SVG projects I make, has score lines built in to help you fold the project after it is cut. But all score lines are really just lines — YOU have to tell Cricut Design Space that you want them to be scored instead of cut. Do this for each score line layer. In this file, there are four of them, all indicated by the colorless thumbnail.
So now our score lines have their linetypes properly set. Keep reading! In this case, everything in this file is grouped.
To ungroup, click on the Group, then click Ungroup at the top of the Layers panel. Those black arrows indicate the sub-groups that were in this group. So this is important to note — some files, especially more complex ones, have more than one grouping. You can always ungroup any group, if you need to. They were setup on purpose so that the score lines were grouped with the layer they belong to.
Now, I gotta be real with you. At this point, I have a good grasp on it, so let me try to explain the difference. Grouping is just a way to indicate layers that belong with one another. Those layers may be anywhere on the Canvas — they are together, but not fixed in place together.
Attaching, on the other hand, keeps those layers physically together when you go to cut the file. Think of it this way.Credit scores have an air of mystery about them and I wanted to find out personally if there are some ways to improve your credit score substantially and quickly after an isolated credit mistake, for example.
So, I designed a credit score experiment the way I was taught for the 5 th grade science fair using the Scientific Method. I wanted to find out exactly how quickly and how low my score would drop if I maxed out a credit cardmade a late payment and carried a balance over a month. In addition, I wanted to track how quickly my score would rebound to its starting point once I brought the account current and paid it down to zero.
But I wanted to know more specifically how long it actually takes for a credit score to drop as a result of negative credit behavior or improve as a result of positive credit behavior. Luckily, I came across a FICO chart and a VantageScore report which actually tracked good and bad credit behaviors and listed specific score drop ranges and rebound time frames depending on specific credit behaviors.
For additional negative events, the score will continue to drop. Auto loan payments and mortgage payments carry more weight than credit card payments and cause a greater negative impact on scores. A missed payment more than 30 days late causes continuing score drops until the account is brought current. It can take the better part of a year to recover from a missed payment. Once the account is brought current and paid on time you could notice a score increase of points every month.
A charge-off, foreclosure or account placed in collections can decrease your credit score by points and a bankruptcy can decrease your credit score by points. I am applying the perfect storm of poor credit behavior to my credit score: paying late, maxing out a card and carrying the balance so I think my score will drop substantially more than points and I might have to suffer with a low credit score, possibly below for the better part of a year or more.
As you can see above, since my mortgage is paid off and I have no other car loans or outstanding credit other than the one credit card, other credit variables in my experiment were limited, making the direct cause and effect of the negative credit behaviors on my credit score more obvious. I carried the rest of that balance into February. In February, I received a credit score alert email from Credit Sesame, notifying me of a score decrease. When I logged in, I saw it dropped points, to I went directly from a good credit score to a bad credit score over the one month.
But that was not surprising part. So, I called up Jeff Richardson, spokesperson for VantageScore Solutions, which is the model behind the Credit Sesame credit score, to find out why my score rebounded to higher than when I started this crazy credit score experiment. Richardson said making on-time payments when carrying a high balance over several months will not improve your score much and if you miss payments or pay late your score will keep dropping. I wanted to show first-hand that you really can improve your credit score quicker than you think.
You really can make big changes in your credit score through specific positive credit behaviors, and when you do that, checking your credit score every month is fun. Now, take that tax refund and go pay down your debt.
Stay tuned for my next Credit Sesame credit score experiment… I applied for another credit card to see how my credit score will be affected, since a new account means a credit pull and an increase in my overall credit limit.
Equifax Hack: What Does It Mean for Your Credit?
Learn More. Naomi Mannino March 31, ; Updated April 19, That sounds like a ridiculous thing to do, right?The debate over who really pulled off the Sony hackthen, could continue indefinitely. Another set of hack ers that goes by the name the Lizard Squad told the Washington Post that they helped with the Sony hack.
The Bureau keeps publicly condemning Pyongyang for the Sony hack. And U. A lot more have had a hack since then; but Biddle is the man who really saved the day, and Allen helped him very much. As the wheels of the hack rolled up the street and over my finer feelings, I turned to the Captain. By silent consent, we paid the hack off, and proceeded arm in arm towards the Poodle Dog for dinner. Finding himself safe, he drew his knife and started to rip and hack at the skin of the balloon.
They were hack writers, and so viewed by the literati of their day. Advertisement top definitions quizzes related content examples explore dictionary british hack 1. I hacked my tablet to do some very cool things. Our team systematically hacks our network to find vulnerabilities. South Midland and Southern U.
Verb Phrases hack aroundSlang. Take this quiz on the Words of the Day from April 6—12 to find out! Idioms for hack hack itSlang. See cut. Words nearby hack hachoohachurehaciendahacienda heightshaciendadohackhack boardhack hammerhack househack offhackamore.
Also hackie. Origin of hack 2 First recorded in —90; short for hackney. Origin of hack 3 First recorded in —75; variant of hatch 2.
Words related to hack drudgeslavelackeyservantprogrindhirelingworkhorseploddercoachcarriagevehiclecabtaxihackneygashhewclipmutilatelacerate. Example sentences from the Web for hack The debate over who really pulled off the Sony hackthen, could continue indefinitely.
Commander Lawless V. Rolf Bennett. Tragedy Ashley H. See also hack off. British a country ride on horseback. Also called: hackney US a coach or carriage that is for hire. Also called: hackie US informal a cab driver a taxi. British to ride a horse cross-country for pleasure.
Word Origin for hack C short for hackney.