Case file: Guaranteed Rate, Inc
Every government filing on this incident, the dates as stated, and the days to notice against each state's statute. Built from the records on Nov 9, 2026, agency link on every row. Not legal advice.
The incident
- Breach window
- Oct 2, 2017
- Discovered
- Sep 13, 2017, as stated in the California letter
- State and federal records
- 2 filings, Jan 12, 2018
- Residents counted
- No state publishes a resident count for this incident
- Everyone affected
- 187,788, as reported to Oregon DOJ on Jan 12, 2018
- Information exposed
- Social Security number, Usernames / passwords, Email address
- Offered to those affected
- 24 months of credit or identity monitoring
- Third party named
- Yes, the letter attributes the incident to a vendor or service provider
- Days to notice
- Past the statutory period in all 2 states that set one, counted from discovery to each state's first record
The letter: "On or around September 13, 2017, Guaranteed Rate confirmed a limited number of company email accounts had been accessed by unknown actors as the result of the phishing attacks."
Filings
| Agency | Record date | People | In total | Days to notice | Links |
|---|---|---|---|---|---|
| Oregon Oregon DOJ | Jan 12, 2018 | 187,788 (total) | 121 days, statute 45 days, over | Record | |
| California California AG | Jan 12, 2018 | Not published | 121 days, statute 30 days, over | Letter Record |
People is the count the filing gives, residents of the state unless marked total. Days to notice runs from the discovery date the letter states, or from the end of the breach window when no letter states one, to the date on the state's first record of the incident. "Over" marks a count past the days the state's statute allows for notice to residents. The statute's trigger is a question of fact, the days are arithmetic.
Notice timing, state by state
- 121 days from discovery (Sep 13, 2017) to the Oregon record (Jan 12, 2018). Statute: 45 days from discovery or notification of the breach (ORS 646A.604).
- 121 days from discovery (Sep 13, 2017) to the California record (Jan 12, 2018). Statute: 30 days from discovery or notification of the breach (Cal. Civ. Code § 1798.82).
The statutes
- Oregon: 45 days to notify residents from discovery or notification of the breach, ORS 646A.604. Attorney General when more than 250 Oregon residents are affected, with the consumer notice.
- California: 30 days to notify residents from discovery or notification of the breach, Cal. Civ. Code § 1798.82. Sample notice to the Attorney General when more than 500 Californians are notified, within 15 days of the consumer notice (effective 2026).
Sources and method
Records as published by Oregon DOJ, California AG. Letter facts (discovery date, monitoring, third party) are read from the consumer letter the agency posted, 1 letter read for this incident, and quoted so you can check them. Texas and HHS publish no letters. First-seen times on each record page. Spot an error? Email support@breachtally.com with this page link.