Equifax settlement: how to file claim?

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CoastalWinds
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Equifax settlement: how to file claim?

Post by CoastalWinds » Mon Jul 22, 2019 11:52 pm

This was in the news today (Reuters), on the heels of Equifax’s $700M settlement b/c of their 2017 data breach.

“Consumers can seek repayment for time spent responding to the Equifax breach, at $25 per hour for up to 20 hours. Documentation must be provided, but consumers can self-certify up to 10 hours. Any time spent addressing identity theft or fraud issues after the breach, seeking credit monitoring, or freezing credit reports can be reimbursed.”

However, the article provided zero detail on how to seek this reimbursement. Does anyone have further insights on how to go about this?

7eight9
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Re: Equifax settlement: how to file claim?

Post by 7eight9 » Tue Jul 23, 2019 12:03 am

Marketwatch article titled Consumers could get up to $20,000 apiece in Equifax settlement — how to get your share.

Link --- https://www.marketwatch.com/story/consu ... 2019-07-22
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Sconie
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Re: Equifax settlement: how to file claim?

Post by Sconie » Tue Jul 23, 2019 6:20 am

My understanding is that the settlement process will not be established until the presiding judge actually signs-off on the proposed settlement. Think this is a case where you'll need to "check back later, etc."
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Retired2013
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Re: Equifax settlement: how to file claim?

Post by Retired2013 » Tue Jul 23, 2019 6:34 am

CoastalWinds wrote:
Mon Jul 22, 2019 11:52 pm
This was in the news today (Reuters), on the heels of Equifax’s $700M settlement b/c of their 2017 data breach.

“Consumers can seek repayment for time spent responding to the Equifax breach, at $25 per hour for up to 20 hours. Documentation must be provided, but consumers can self-certify up to 10 hours. Any time spent addressing identity theft or fraud issues after the breach, seeking credit monitoring, or freezing credit reports can be reimbursed.”

However, the article provided zero detail on how to seek this reimbursement. Does anyone have further insights on how to go about this?


Under a settlement filed today, Equifax agreed to spend up to $425 million to help people affected by the data breach. If you were affected by the Equifax breach, you can't file a claim just yet. That's coming. But you can sign up for FTC email alerts about the settlement at ftc.gov/Equifax.

https://www.consumer.ftc.gov/blog/2019/ ... hould-know

$425M Consumer settlement / 147M effected = $2.89 each. If 10% apply, that would be $28.90 each.

gtd98765
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Re: Equifax settlement: how to file claim?

Post by gtd98765 » Tue Jul 23, 2019 7:01 am

Krebs has a good article on the proposed settlement: https://krebsonsecurity.com/2019/07/wha ... ettlement/

DaftInvestor
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Re: Equifax settlement: how to file claim?

Post by DaftInvestor » Tue Jul 23, 2019 3:09 pm

Can you share how you affected by the breach through identity theft or fraud?

That's one thing I haven't read much on - what the real impact has been to people so curious.

DaftInvestor
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Re: Equifax settlement: how to file claim?

Post by DaftInvestor » Tue Jul 23, 2019 3:12 pm

Retired2013 wrote:
Tue Jul 23, 2019 6:34 am

$425M Consumer settlement / 147M effected = $2.89 each. If 10% apply, that would be $28.90 each.
I thought they were defining "affected" as someone who actually had identity theft or fraud happen to them as a result, no?
Surely 147M people weren't victims since the incident?

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Nestegg_User
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Re: Equifax settlement: how to file claim?

Post by Nestegg_User » Tue Jul 23, 2019 4:04 pm

wouldn't the time checking to see if you were affected (I'd gotten a postcard or letter, IIR) be eligible....AND THE COST OF THE FREEZE!! We should, at least, be reimbursed for the cost of the freeze that we had to do to prevent further damage.

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AerialWombat
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Re: Equifax settlement: how to file claim?

Post by AerialWombat » Tue Jul 23, 2019 4:09 pm

The claims process likely won’t open for another 6-12 months, per the MarketWatch article and remaining court approvals.

Costs of freeze, unfreeze, credit monitoring, etc will be reimbursed up to a couple hundred bucks without validation, it appears. I certainly incurred that and will be filing a basic claim.

chevca
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Re: Equifax settlement: how to file claim?

Post by chevca » Tue Jul 23, 2019 4:14 pm

What breach was this?... I kid. :wink: :happy

Alan S.
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Re: Equifax settlement: how to file claim?

Post by Alan S. » Tue Jul 23, 2019 10:37 pm

7eight9 wrote:
Tue Jul 23, 2019 12:03 am
Marketwatch article titled Consumers could get up to $20,000 apiece in Equifax settlement — how to get your share.

Link --- https://www.marketwatch.com/story/consu ... 2019-07-22
Yes, and the earth could also be flat. :idea:

It took me two decades to figure out that it was not worth the effort to file recovery claims, and certainly not follow ups. The tuna fish price fixing was the final straw.

Pete3
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Re: Equifax settlement: how to file claim?

Post by Pete3 » Wed Jul 24, 2019 11:00 am

Here's the link to file your claim : https://www.equifaxbreachsettlement.com/

I don't expect anyone to trust a random domain like this so please feel free to go to Equifax's site (https://www.equifax.com), there is a link to this other site right at the top

If you opt out of the credit monitoring service you are supposed to get $125 instead

montanagirl
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Re: Equifax settlement: how to file claim?

Post by montanagirl » Wed Jul 24, 2019 11:05 am

I didn't spend more than a couple hours freezing my credit at 5 agencies.

But now I'm worried I won't be able to unfreeze it, or a soft credit check will fail and I won't remember why.

jebmke
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Re: Equifax settlement: how to file claim?

Post by jebmke » Wed Jul 24, 2019 11:31 am

montanagirl wrote:
Wed Jul 24, 2019 11:05 am
I didn't spend more than a couple hours freezing my credit at 5 agencies.

But now I'm worried I won't be able to unfreeze it, or a soft credit check will fail and I won't remember why.
We had to unfreeze one when we bought a car about 18 months ago. A quick phone call while at the dealer took care of it. Thaw, bounce, re-lock. Don't recall which agency they used.
When you discover that you are riding a dead horse, the best strategy is to dismount.

harrad
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Equifax Breach - Settlement

Post by harrad » Wed Jul 24, 2019 4:53 pm

Just in case your data has been breached, you can file a claim to get

i) free credit monitoring
ii) 125$

plus other cash payments. I filed a claim including my time and effort to freeze my credit reports, change passwords etc. I believe the claim pays 25$ an hour and with documentation required for more than 10 hours of effort.

Encourage you to look at https://www.equifaxbreachsettlement.com/

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Re: Equifax settlement: how to file claim?

Post by LadyGeek » Wed Jul 24, 2019 7:29 pm

^^^ harrad - I merged your post into the on-going discussion, which is in the Personal Finance (Not Investing) forum (claim settlement).
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F150HD
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Re: Equifax settlement: how to file claim?

Post by F150HD » Wed Jul 24, 2019 9:26 pm

Pete3 wrote:
Wed Jul 24, 2019 11:00 am
Here's the link to file your claim : https://www.equifaxbreachsettlement.com/

I don't expect anyone to trust a random domain like this so please feel free to go to Equifax's site (https://www.equifax.com), there is a link to this other site right at the top

If you opt out of the credit monitoring service you are supposed to get $125 instead
https://eligibility.equifaxbreachsettle ... ligibility

ugh, anyone bold enough to put their data into this URL to see if you're eligible for :moneybag ?
Long is the way and hard, that out of Hell leads up to light.

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arcticpineapplecorp.
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Re: Equifax settlement: how to file claim?

Post by arcticpineapplecorp. » Wed Jul 24, 2019 9:34 pm

is the 10 hour "self certification" of $250 in addition to the $125 given if refusing credit monitoring?
If consumers in the class action already have credit monitoring, they can be paid $125.
Cash payments

Every person can receive up to $500 for the time they spent “taking preventative measure or dealing with identity theft,” court papers said. Consumers are eligible for up to 20 hours of reimbursement. Ten hours — $250 — can be self-certified and do not require any documentation, according to the document. Another 10 hours have to backed up by documentation such as banking and credit card statements.
source: https://www.marketwatch.com/story/consu ... 2019-07-22
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tennisplyr
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Re: Equifax settlement: how to file claim?

Post by tennisplyr » Thu Jul 25, 2019 7:10 am

Local news just shared this about the settlement.

www.fox13news.com/seen-on-tv/you-can-no ... settlement
Those who move forward with a happy spirit will find that things always work out.

Pete3
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Re: Equifax settlement: how to file claim?

Post by Pete3 » Thu Jul 25, 2019 7:42 am

F150HD wrote:
Wed Jul 24, 2019 9:26 pm
Pete3 wrote:
Wed Jul 24, 2019 11:00 am
Here's the link to file your claim : https://www.equifaxbreachsettlement.com/

I don't expect anyone to trust a random domain like this so please feel free to go to Equifax's site (https://www.equifax.com), there is a link to this other site right at the top

If you opt out of the credit monitoring service you are supposed to get $125 instead
https://eligibility.equifaxbreachsettle ... ligibility

ugh, anyone bold enough to put their data into this URL to see if you're eligible for :moneybag ?
Yes, I did although I already knew from the original breach disclosure that I was affected and therefore I should be eligible (I was)

Pete3
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Re: Equifax settlement: how to file claim?

Post by Pete3 » Thu Jul 25, 2019 7:44 am

arcticpineapplecorp. wrote:
Wed Jul 24, 2019 9:34 pm
is the 10 hour "self certification" of $250 in addition to the $125 given if refusing credit monitoring?
If consumers in the class action already have credit monitoring, they can be paid $125.
Cash payments

Every person can receive up to $500 for the time they spent “taking preventative measure or dealing with identity theft,” court papers said. Consumers are eligible for up to 20 hours of reimbursement. Ten hours — $250 — can be self-certified and do not require any documentation, according to the document. Another 10 hours have to backed up by documentation such as banking and credit card statements.
source: https://www.marketwatch.com/story/consu ... 2019-07-22
Yes, note that have you to give a description of what you did and when you did it for those 10 hours, it isn't just a checkbox.

Also obviously the math doesn't work if a good portion of the affected consumers make claims, e.g. the proposed settlement fund is way too small for tens of millions of people to claim hundreds of dollars each.

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siamond
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Re: Equifax settlement: how to file claim?

Post by siamond » Thu Jul 25, 2019 3:41 pm

Somebody sent me a link to the corresponding Reddit discussion:

https://www.reddit.com/r/personalfinanc ... _the_2017/

I'm a bit on the fence about it. I am appalled by Equifax in many respects, but it is really worth my time going through the claim process for an uncertain outcome, I don't know...

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serbeer
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Re: Equifax settlement: how to file claim?

Post by serbeer » Thu Jul 25, 2019 3:45 pm

siamond wrote:
Thu Jul 25, 2019 3:41 pm
Somebody sent me a link to the corresponding Reddit discussion:

https://www.reddit.com/r/personalfinanc ... _the_2017/

I'm a bit on the fence about it. I am appalled by Equifax in many respects, but it is really worth my time going through the claim process for an uncertain outcome, I don't know...
This "claim process" takes about 2 minutes--to fill a form online after typing in less than 20 characters of data to confirm that your personal information was affected by the breach... It is not anywhere close to Simba's spreadsheet in complexity Siamond :)
Last edited by serbeer on Thu Jul 25, 2019 3:48 pm, edited 1 time in total.

DaftInvestor
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Re: Equifax settlement: how to file claim?

Post by DaftInvestor » Thu Jul 25, 2019 3:48 pm

In order to get the $125 you have to certify that you already have credit monitoring (and I don't so I am not eligible for the $125).

I don't know if I'm really interested in Credit Monitoring - I supposed it can't hurt - but seems I am just going to be getting more junk mail from Equifax if I sign up.
Last edited by DaftInvestor on Fri Jul 26, 2019 9:11 am, edited 1 time in total.

bluquark
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Re: Equifax settlement: how to file claim?

Post by bluquark » Thu Jul 25, 2019 3:49 pm

Retired2013 wrote:
Tue Jul 23, 2019 6:34 am
$425M Consumer settlement / 147M effected = $2.89 each. If 10% apply, that would be $28.90 each.
It's actually worse than that. Only $31 million is lined up for consumer cash payouts.
https://www.equifaxbreachsettlement.com/faq#q-10 wrote: If there are more than $31 million claims for Alternative Reimbursement Compensation, all payments for Alternative Reimbursement Compensation will be lowered and distributed on a proportional basis.
I did apply already before reading about this limit. Probably not worth my time, but at least the single-digit-dollar-amount check I'm likely to end up with will be useful as a joke conversation starter.

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anon_investor
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Re: Equifax settlement: how to file claim?

Post by anon_investor » Thu Jul 25, 2019 3:58 pm

$125 or free credit monitoring? What are people going to pick?

DaftInvestor
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Re: Equifax settlement: how to file claim?

Post by DaftInvestor » Thu Jul 25, 2019 4:01 pm

anon_investor wrote:
Thu Jul 25, 2019 3:58 pm
$125 or free credit monitoring? What are people going to pick?
I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing).

Since the settlement isn't final yet - I wonder if the legal team involved can get this fixed (usually they are too busy negotiating their own large payment - I remember a class action I was involved in which resulting in me getting a $10 coupon for the problematic problem that was involved in the lawsuit - I didn't want the product. The legal team, of course, walked away with millions - while us "customers" that were impacted got $10 coupons).

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siamond
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Re: Equifax settlement: how to file claim?

Post by siamond » Thu Jul 25, 2019 4:33 pm

serbeer wrote:
Thu Jul 25, 2019 3:45 pm
siamond wrote:
Thu Jul 25, 2019 3:41 pm
I'm a bit on the fence about it. I am appalled by Equifax in many respects, but it is really worth my time going through the claim process for an uncertain outcome, I don't know...
This "claim process" takes about 2 minutes--to fill a form online after typing in less than 20 characters of data to confirm that your personal information was affected by the breach... It is not anywhere close to Simba's spreadsheet in complexity Siamond :)
You're right. I hate legal stuff with a passion, but it did take a few minutes to complete the claim. And amazingly enough, instructions are fairly clear and the whole process is easy and didn't timeout. This does NOT match my nightmarish experience with Equifax TrustedID after the breach... Thank you for triggering me to get moving.

Here is how I filled the 'time spent' section if this can inspire other people - this is a GROSS understatement of the time I spent on this topic, but I don't have documents to upload as proof...

Image

dalbright
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Re: Equifax settlement: how to file claim?

Post by dalbright » Thu Jul 25, 2019 4:37 pm

F150HD wrote:
Wed Jul 24, 2019 9:26 pm
Pete3 wrote:
Wed Jul 24, 2019 11:00 am
Here's the link to file your claim : https://www.equifaxbreachsettlement.com/

I don't expect anyone to trust a random domain like this so please feel free to go to Equifax's site (https://www.equifax.com), there is a link to this other site right at the top

If you opt out of the credit monitoring service you are supposed to get $125 instead
https://eligibility.equifaxbreachsettle ... ligibility

ugh, anyone bold enough to put their data into this URL to see if you're eligible for :moneybag ?
Luckily you don't have to put in your whole social, just the last 6...just finished it. I put down 10 hours of reading bogleheads forum about equifax as the reason :P

anoop
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Re: Equifax settlement: how to file claim?

Post by anoop » Thu Jul 25, 2019 4:42 pm

7eight9 wrote:
Tue Jul 23, 2019 12:03 am
Marketwatch article titled Consumers could get up to $20,000 apiece in Equifax settlement — how to get your share.

Link --- https://www.marketwatch.com/story/consu ... 2019-07-22
Not much different than: You could win up to $65M in the upcoming lottery. Pick your numbers carefully.

Seriously, this is all charade, a joke. The correct way to fix this problem is to offer free LIFETIME credit monitoring and the ability to lock/unlock credit pulls to all individuals with no exceptions. ALL agencies must be required to do this or cease operation.

They are making enough money selling our info to businesses without our prior consent. Not treating our information securely is just rubbing it in further.
Last edited by anoop on Thu Jul 25, 2019 5:20 pm, edited 1 time in total.

Coburn
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Re: Equifax settlement: how to file claim?

Post by Coburn » Thu Jul 25, 2019 4:58 pm

After entering my info, it says I was not affacted by the data breach.

I assume then that I can't file a claim. :?:

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F150HD
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Re: Equifax settlement: how to file claim?

Post by F150HD » Thu Jul 25, 2019 9:12 pm

anoop wrote:
Thu Jul 25, 2019 4:42 pm
Not much different than: You could win up to $65M in the upcoming lottery. Pick your numbers carefully.

Seriously, this is all charade, a joke. The correct way to fix this problem is to offer free LIFETIME credit monitoring and the ability to lock/unlock credit pulls to all individuals with no exceptions. ALL agencies must be required to do this or cease operation.

They are making enough money selling our info to businesses without our prior consent. Not treating our information securely is just rubbing it in further.
its clear Equifax couldn't protect peoples data to begin with so would one really want 'Equifax' providing them with 'free lifetime credit monitoring'?

At that, if one does elect the monitoring....unclear how it helps to get a phone call Tuesday that your data was breached Monday. :confused

If one freezes their credit then 'credit monitoring' is essentially meaningless anyway.
Long is the way and hard, that out of Hell leads up to light.

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nps
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Re: Equifax settlement: how to file claim?

Post by nps » Thu Jul 25, 2019 9:19 pm

DaftInvestor wrote:
Thu Jul 25, 2019 3:48 pm
In order to get the $125 you have to certify that you do not already have credit monitoring (and I don't so I am not eligible for the $125).

I don't know if I'm really interested in Credit Monitoring - I supposed it can't hurt - but seems I am just going to be getting more junk mail from Equifax if I sign up.

That's not correct. In order to get the $125 you have to certify that you do already have credit monitoring.

anoop
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Re: Equifax settlement: how to file claim?

Post by anoop » Thu Jul 25, 2019 9:39 pm

F150HD wrote:
Thu Jul 25, 2019 9:12 pm
anoop wrote:
Thu Jul 25, 2019 4:42 pm
Not much different than: You could win up to $65M in the upcoming lottery. Pick your numbers carefully.

Seriously, this is all charade, a joke. The correct way to fix this problem is to offer free LIFETIME credit monitoring and the ability to lock/unlock credit pulls to all individuals with no exceptions. ALL agencies must be required to do this or cease operation.

They are making enough money selling our info to businesses without our prior consent. Not treating our information securely is just rubbing it in further.
its clear Equifax couldn't protect peoples data to begin with so would one really want 'Equifax' providing them with 'free lifetime credit monitoring'?

At that, if one does elect the monitoring....unclear how it helps to get a phone call Tuesday that your data was breached Monday. :confused

If one freezes their credit then 'credit monitoring' is essentially meaningless anyway.
Credit monitoring doesn’t prevent the data from getting breached, but if the data are misused then it provides a way to get quick notification. And they are marketing and selling credit monitoring services which is really as I mentioned rubbing salt into a wound that they have created in the first place.

I’m not sold on the credit freeze approach because I have a way of forgetting PINs, and resetting this one is a pain. These things tend to create delays at the worst possible times. And what happens when your PIN itself gets hacked?

Have you tried calling customer service at one of these bureaus? They are handling the most sensitive data with really incompetent staff.
Last edited by anoop on Fri Jul 26, 2019 12:35 am, edited 1 time in total.

ladycat
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Re: Equifax settlement: how to file claim?

Post by ladycat » Thu Jul 25, 2019 10:26 pm

DaftInvestor wrote:
Thu Jul 25, 2019 4:01 pm
anon_investor wrote:
Thu Jul 25, 2019 3:58 pm
$125 or free credit monitoring? What are people going to pick?
I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing).

Since the settlement isn't final yet - I wonder if the legal team involved can get this fixed (usually they are too busy negotiating their own large payment - I remember a class action I was involved in which resulting in me getting a $10 coupon for the problematic problem that was involved in the lawsuit - I didn't want the product. The legal team, of course, walked away with millions - while us "customers" that were impacted got $10 coupons).
I consider the monitoring that my Discover credit card offers to be "credit monitoring", so in good conscience, I clicked the button.

Jackson12
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Re: Equifax settlement: how to file claim?

Post by Jackson12 » Fri Jul 26, 2019 12:33 am

Freezing my credit, etc...meant that not only were potential thieves unable to access the info but I was unable to access the MySocial Security account held in my name at the Social Security website. The site uses the info in my credit report, including info from Equifax, to identify me. As a result I couldn’t file for social security.

Even though my efforts, including a conversation with a social security representative, allowed me to finally print out my credit report, I couldn’t use the information to answer security questions at the Social Security site and file for my benefits..

There simply were no matches in the file which fit the questions .

Can I include my efforts and time needed in my record of “time spent” trying to handle the consequences of the security breach.? I’d never had used a security freeze without the breach and I spent many hours, counting time on hold, trying to find a solution. Filing for social security is still on hold .I'll need an appointment at a social security office to solve the problem....or so the social security reps have informed me. There is no “local” office within an hour of our home. It would have been far easier to file online.

SimonJester
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Re: Equifax settlement: how to file claim?

Post by SimonJester » Fri Jul 26, 2019 8:32 am

I suspect payouts will be a lot smaller...

If there are more than $31 million claims for Alternative Reimbursement Compensation, all payments for Alternative Reimbursement Compensation will be lowered and distributed on a proportional basis.
"They who can give up essential liberty to obtain a little temporary safety, deserve neither liberty nor safety." - Benjamin Franklin

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Re: Equifax settlement: how to file claim?

Post by anon_investor » Fri Jul 26, 2019 8:39 am

I went with the $125 pay out, although I bet it ends up being less... but I have free credit monitoring from another company's data breach already. I have continuously had free credit monitoring for over a decade via one company data break after another... I figure whatever money I get, I can throw it into VTSAX!

DaftInvestor
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Re: Equifax settlement: how to file claim?

Post by DaftInvestor » Fri Jul 26, 2019 9:09 am

nps wrote:
Thu Jul 25, 2019 9:19 pm
DaftInvestor wrote:
Thu Jul 25, 2019 3:48 pm
In order to get the $125 you have to certify that you do not already have credit monitoring (and I don't so I am not eligible for the $125).

I don't know if I'm really interested in Credit Monitoring - I supposed it can't hurt - but seems I am just going to be getting more junk mail from Equifax if I sign up.

That's not correct. In order to get the $125 you have to certify that you do already have credit monitoring.
Ah - yeah - typo - sorry

student
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Re: Equifax settlement: how to file claim?

Post by student » Fri Jul 26, 2019 9:24 am

DaftInvestor wrote:
Thu Jul 25, 2019 4:01 pm
anon_investor wrote:
Thu Jul 25, 2019 3:58 pm
$125 or free credit monitoring? What are people going to pick?
I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing).

Since the settlement isn't final yet - I wonder if the legal team involved can get this fixed (usually they are too busy negotiating their own large payment - I remember a class action I was involved in which resulting in me getting a $10 coupon for the problematic problem that was involved in the lawsuit - I didn't want the product. The legal team, of course, walked away with millions - while us "customers" that were impacted got $10 coupons).
You can sign up for a number of free credit monitoring service.

https://creditwise.capitalone.com/home You do not have to be a customer. It says "Monitor your credit. For free. For everyone." So it qualifies from my standpoint.

Transunion itself also offers free service. https://www.transunion.com/product/true ... protection "Get alerts to critical credit information changes" So to me it qualifies.

student
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Re: Equifax settlement: how to file claim?

Post by student » Fri Jul 26, 2019 9:26 am

Coburn wrote:
Thu Jul 25, 2019 4:58 pm
After entering my info, it says I was not affacted by the data breach.

I assume then that I can't file a claim. :?:
Did you do it using https://www.equifaxbreachsettlement.com/

DaftInvestor
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Re: Equifax settlement: how to file claim?

Post by DaftInvestor » Fri Jul 26, 2019 9:30 am

student wrote:
Fri Jul 26, 2019 9:24 am
DaftInvestor wrote:
Thu Jul 25, 2019 4:01 pm
anon_investor wrote:
Thu Jul 25, 2019 3:58 pm
$125 or free credit monitoring? What are people going to pick?
I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing).

Since the settlement isn't final yet - I wonder if the legal team involved can get this fixed (usually they are too busy negotiating their own large payment - I remember a class action I was involved in which resulting in me getting a $10 coupon for the problematic problem that was involved in the lawsuit - I didn't want the product. The legal team, of course, walked away with millions - while us "customers" that were impacted got $10 coupons).
You can sign up for a number of free credit monitoring service.

https://creditwise.capitalone.com/home You do not have to be a customer. It says "Monitor your credit. For free. For everyone." So it qualifies from my standpoint.

Transunion itself also offers free service. https://www.transunion.com/product/true ... protection "Get alerts to critical credit information changes" So to me it qualifies.
Thanks student!

Coburn
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Re: Equifax settlement: how to file claim?

Post by Coburn » Fri Jul 26, 2019 9:39 am

student wrote:
Fri Jul 26, 2019 9:26 am
Coburn wrote:
Thu Jul 25, 2019 4:58 pm
After entering my info, it says I was not affacted by the data breach.

I assume then that I can't file a claim. :?:
Did you do it using https://www.equifaxbreachsettlement.com/
Yep, used that link and it said my account wasn't leaked. Do I trust that statement and does it mean that there's nothing to pursue then?

I'm relieved that my info wasn't compromised more than anything else.

Van Down By Da River
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Joined: Wed May 22, 2019 2:27 pm

Re: Equifax settlement: how to file claim?

Post by Van Down By Da River » Fri Jul 26, 2019 10:07 am

I read an article the other day that none of the data was ever monetized... so it wasn't thieves... It was most likely a foreign government... I guess the best way to turn a double agent is to find out which government employees have money troubles... :twisted:

barnaclebob
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Equifax Settlement Claims

Post by barnaclebob » Fri Jul 26, 2019 10:54 am

Looks like you can submit claims for the equifax breach here:

https://eligibility.equifaxbreachsettle ... ligibility

$125 +25/hr spent up to 10 hours without having to provide documentation.

I know I spent at least a few hours on this site reading on processes for how to freeze and unfreeze credit along with checking my credit reports a few times as a result of the breach. Not sure if that is eligible but I submitted it. They can deny it if they want to.

Edit, just saw the other post, requesting mods to merge.
Last edited by barnaclebob on Fri Jul 26, 2019 11:51 am, edited 1 time in total.

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jjunk
Posts: 298
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Location: Seattle

Re: Equifax Settlement Claims

Post by jjunk » Fri Jul 26, 2019 11:01 am

I submitted mine for 7hrs of time. I figured it covers the cost of actually paying for the freezes I had to pay for as well as the time spent researching (like you mentioned). I get free credit monitoring from work so I also took the $125.

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mikestorm
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Re: Equifax Settlement Claims

Post by mikestorm » Fri Jul 26, 2019 11:05 am

I sued them privately in small claims and won. Unfortunately, besides being profoundly annoyed, I couldn't prove actual damages, so I got a whopping 243.87 plus court costs back. So, I can't move forward with this :)

It was my first small claims experience. For that alone I'm glad I went this route.

barnaclebob
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Re: Equifax Settlement Claims

Post by barnaclebob » Fri Jul 26, 2019 11:09 am

mikestorm wrote:
Fri Jul 26, 2019 11:05 am
I sued them privately in small claims and won. Unfortunately, besides being profoundly annoyed, I couldn't prove actual damages, so I got a whopping 243.87 plus court costs back. So, I can't move forward with this :)

It was my first small claims experience. For that alone I'm glad I went this route.
Well it bet that felt better than any class action claim. Nice work.

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mikestorm
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Re: Equifax Settlement Claims

Post by mikestorm » Fri Jul 26, 2019 11:10 am

barnaclebob wrote:
Fri Jul 26, 2019 11:09 am
Well it bet that felt better than any class action claim. Nice work.
I wasted their legal representatives' time for sure, so it cost them more than I made.

runner3081
Posts: 2918
Joined: Mon Aug 22, 2016 3:22 pm

Re: Equifax Settlement Claims

Post by runner3081 » Fri Jul 26, 2019 11:14 am

In reality, we will all get a few dollars out of it, no more.

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