Not only does the credit bureau max out their password length, you have a small list of available non-alphanumeric characters you can use, and no spaces. Also you cannot used a plused email address, and it had an issue with my self hosted email alias, forcing me to use my gmail address.

Both Experian and transunion had no password length limitations, nor did they require my username be my email address.

Update: I have been unable to log into my account for the last 3 days now. Every time I try I get a page saying to call customer service. After a total of 2 hours on hold I finally found the issue, you cannot connect to Equifax using a VPN. In addition there is no option for 2FA (not even email or sms) and they will hang up on you if you push the issue of their security being lax. Their reasoning for lax security and no vpn usage is “well all of our other customers are okay with this”.

  • davel [he/him]
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    15528 days ago

    Yeah well, if you’re so smart let’s see you write a website in COBOL.

  • Scott
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    8628 days ago

    This implies they’re storing the plaintext password.

    Ideally the password would be hashed with a salt and then stored. Then it’s a fixed length field and it shouldn’t matter how long the password is.

    • Helix 🧬
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      3128 days ago

      Or a very very old database system, possibly DB2, where you can’t change the column limits or data types after the fact.

      • @[email protected]
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        927 days ago

        If they’re hashing, the column size should be irrelevant. Ideally the database should never see the plaintext password in the first place (though I could understand calculating the hash in the query itself). If they’re not hashing, they should really be rewriting their database anyway.

      • @[email protected]
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        27 days ago

        I’d rather see a paper explaining the flaws with salted passwords rather than “just use this instead”.

        My initial reaction is that this overcomplicates things for the majority of use-cases, and has way more to configure correctly compared to something basic like a salted sha256/sha512 hash that you can write in any language’s standard library.

        If the database of everyone’s salted password hashes gets leaked, this still gives everyone plenty of time to change passwords before anything has a chance of cracking them. (Unless you’re about to drop some news on me about long time standard practices being fundamentally flawed)

        • @[email protected]
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          126 days ago

          Wut. Is the competition not enough data for you? This is how we got AES.

          Can you name a single popular language where Argon2 isn’t implemented in a stamdard library?

          • @[email protected]
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            126 days ago

            I think you’re missing the point of what I’m asking. In what way are regular salted passwords insecure? Sure you can keep adding extra steps to encryption, but at a certain point you’re just wasting CPU cycles.

            I have no doubts about Argon2 being secure, I just think the extra steps are unnecessary for anything I would build (i.e. not touching financial transactions or people’s SSNs). By design argon2 uses a lot of memory and CPU time to make bruteforce attacks much harder, but that’s more of a downside when you’re just doing basic account logins on a low end server.

            I’ll happily retract my point about external dependencies. It’s available in most languages, and notably std C++ contains neither argon2 or sha256/512 hashing, so that kind of makes my original point invalid anyway.

  • Onno (VK6FLAB)
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    7628 days ago

    Credit bureaus are not for your protection, they’re for the protection of their clients, the banks.

    • @[email protected]
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      2228 days ago

      Banks aren’t much better. Up until just a couple years ago, the Treasury Direct website (to buy bonds/etc from the US Treasury) forced you to use a god damned on-screen keyboard to input your password and the passwords were not case sensitive. I’m pretty sure it also only read the first X number of characters of your input because I recall that people tried typing extra characters after their passwords and it would still accept it as valid, though I could be conflating this with some other archaic site.

      • nocturneOP
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        1128 days ago

        You are unable to paste your password into the “confirm password” field. I thought I was going to have to type it in, but Bitwarden’s autofill worked.

        • @[email protected]
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          328 days ago

          The first part I’m sure about because I had to create a bookmark of a line of javascript that would bypass the on-screen keyboard and allow you to autofill the password. It was sometime in the last 3 or 4 years that they finally joined the 1990s and updated it

  • @[email protected]
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    5228 days ago

    Financial institution security is quite frankly a freaking joke. My bank only has the options for 11 character passwords at maximum. It’s like oh come on that is way too easy these days

    • @[email protected]
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      1828 days ago

      Oh but wait! That non-customizable account number user ID that you have to wait for in the mail is definitely top notch security!

    • @[email protected]
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      1228 days ago

      Honestly, that’s a sign to me that your bank doesn’t take cybersecurity seriously and would possibly consider switching. Mine has amazing security as well as fraud detection. Sometimes it’ll even send me a text to verify a purchase if their software thinks it’s weird I got across town too quickly, though that’s pretty rare so it isn’t overly aggressive/inconvenient.

      • @[email protected]
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        227 days ago

        In Germany at least, I hear that banks have weird law requirements for these weird security things, like photoTAN.

        I’d be much happier if they’d just let me do my usual setup with password, totp and my hardware token.

        • @[email protected]
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          26 days ago

          In the US the FDIC sets security requirements for banks and audits annually, and they keeps raising requirements every year or so. At this point its just easier for a bank to invest in following current best practices and keep updating to the current best practices than to keep chasing every new finding on the FDIC audits each year

          Source: I worked in IT at a bank for a while

  • kingthrillgore
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    27 days ago

    A 20 character password of case insensitive letters and numbers is quite unbreakable (taking billions of years to brute force). Still, what a strange way to announce your database is old and you probably aren’t hashing your password with anything stronger than MD5. Or worse.

    • @[email protected]
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      2927 days ago

      My default is to generate a 32 character password and store it in a password manager. Doesn’t matter to me how many characters it has since I’m just going to copy and paste it anyway.

      Pretty surprising how many places enforce shorter passwords though… I had a bank that had a maximum character limit of 12. I don’t bank with them anymore. Short password limits is definitely is an indicator of bad underlying security practices.

    • 🅿🅸🆇🅴🅻
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      2127 days ago

      A hash has a fixed length, including MD5. There’s no reason to cap password (input) Iength. You can hash the whole bible and still get the same length hash. So either they don’t even hash it, they’re idiots, or they try to be unnecessarily cautious to avoid some other limit / overflow, like POST max size (which would still be counted in at least KB, not several characters). The limit on what special characters you can use is also highly suspicious - that’s not how you deal with injections / escaping your inputs.

      • @[email protected]
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        26 days ago

        Hashing takes longer the longer the string is, so it technically could impact performance if many people with very long passwords log in simultaneously. 20 characters is ridiculous though, you could probably cap it at hundreds and still be completely fine.

  • Ellia Plissken
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    4628 days ago

    the Ring app (I think) forced me to change my Wi-Fi password because I wasn’t allowed to use ampersands. according to support it’s because they “use ampersands in the code”

      • FuzzyRedPanda
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        3028 days ago

        It deeply saddens me when people pay money for locked down hardware that’s not only designed to spy on them, but their family, friends, and neighbors as well. Ring, Amazon Echo, Google Home, that creepy Facebook robot screen…all insecure spyware.

      • Ellia Plissken
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        227 days ago

        yeah I only have a ring for my outdoor cameras. I was considering switching my indoor system yo ring as my alarm company keeps raising their prices but I’m not putting ring cameras inside my house. especially because the privacy shutters on them are manual

    • @Aquila
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      1728 days ago

      Sure would be a shame of Bobby tables made a ring acct

    • nocturneOP
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      627 days ago

      Eufy cameras will not allow spaces in the WiFi password.

    • @[email protected]
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      327 days ago

      I encountered something like this at work. It wasn’t pass related, it was just a means of getting people to make text responses. Ampersands were replaced with some gibberish format, which annoyed everyone.

      I got some kind of explanation from our tech people, which I understood to mean that ampersand was used to indicate that what followed was live code. Turning the ampersand into gibberish text was a safety measure to stop mischief.

      I’ve noticed ampersand replacements in some news feeds too

  • ℍ𝕂-𝟞𝟝
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    2827 days ago

    Imagine having to contract with a company in order for them not to fuck your life up with your own data. This is ridiculous.

    • @[email protected]
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      1927 days ago

      My bank disables paste as has code checking if the browser is greater than Netscape Navigator 4.

        • @[email protected]
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          27 days ago

          I wrote a TamperMonkey script. 😅 I needed to so I could use my password manager. How dare I.

          Should be a general web dev usability note: always aim to make your code to be friendly for scraping & userStyles/userScripts. If a client isn’t updating shit, at least users can easily fix things. This is also another point against this Tailwind-only trend since you tend to lose anything semantic in the DOM & have nothing to select on.

    • @otp
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      727 days ago

      Yup. My bank was even “translating” passwords to PINs behind the scene specifically so your password for the website would be the same as your password on the telephone.

  • CubitOom
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    2428 days ago

    I also like that the only type of MFA that all 3 agencies implement is text/phone call. Cause likes there’s nonway someone could spoof a phone number and then unfreeze your credit.

    • krolden
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      27 days ago

      Financial companies ans banks and stuff have to follow regulations on their MFA method. That why you can’t just use any OTP authenticator and are stuck with email/SMS.

  • @[email protected]
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    1926 days ago

    short passwords because they are trying to save bandwidth for their next time their entire database structure is downloaded

    • @[email protected]
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      225 days ago

      They’re supposed to be hashed so that shouldn’t matter

      Unless that’s the joke or something

  • @[email protected]
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    1727 days ago

    I have seen this on a site before and I never understood why. Whats the point of limiting the length of the password? Its not to save storage space since the plain text isnt stored and the hash should be a uniform length. So whats the advantage?

    • @[email protected]
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      1827 days ago

      Their backend is really, REALLY garbage. Maybe it is some of that Microsoft trash that they snake oil’d into a lot of public offices and dumbass corpo managers, but whatever is running that site, has me concerned. You don’t do fucky things with passwords unless your backend is doing something really stupid.

    • @[email protected]
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      1027 days ago

      Calculating hashes is supposedly more expensive for longer strings. That could be used to simplify some kind of overload attack like DDOS.

      • @ReveredOxygen
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        527 days ago

        If they’re using md5 (which would be in line with their security practices), the block size is 512 bits. That means that everything less than 64 characters is the same cost

  • @[email protected]
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    1726 days ago

    I swear password restrictions are getting to the point where there’s eventually going to only be one usable password.

    • @[email protected]
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      826 days ago

      Yeah, it’s counterproductive to lay out a bunch of restrictions. Let people make a long-ass password that’s a memorable phrase - it’s safer anyway.

      Although I don’t know how anyone makes it without a password manager at this point.

      • sylver_dragon
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        826 days ago

        I don’t know how anyone makes it without a password manager at this point.

        Password reuse. Password reuse everywhere.

        • Dizzy Devil Ducky
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          226 days ago

          We’re all guilty of it. No shame in admitting it. I know I’ve been guilty of it from time to time.

          • nocturneOP
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            326 days ago

            When I have to sign up for something on my phone I will use my pre Bitwarden default password. Then once I have a sec to sit down iPad or laptop I will change it to something more secure.

            I am currently fighting with my wife and children to start using a password manager.

            • Dizzy Devil Ducky
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              526 days ago

              The funny thing about that is that I am currently on my laptop getting keepassxc set up. This post has somehow motivated me to finally get a password manager.

            • @[email protected]
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              326 days ago

              On your phone, you can select autofill, then ask bitwarden to generate a password, save and use that to register