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Equifax breach: Your settlement questions, answered



The settlement of up to $ 700 million includes as much as $ 425 million for individual compensation. With so many Americans affected, it's very likely you could qualify for some form of compensation as a result of settlement.

And with so many names, addresses, birthdates and Social Security numbers leaked, you could still be at long-term

The Equifax Data Breach Settlement website has a look-up tool where you can find out if your data has been compromised

How do I get the money?

If you'd like to get 10 years of free credit monitoring – or $ 125 if you already have ongoing credit monitoring – you can make a claim. (1
9459007)

Per the settlement, you're eligible for seven years of "free identity restoration services," according to the FTC. If you find that your personal data has been misused, you can call the settlement administrator of the FTC to get help.

Should I opt out

Opting out of the settlement means you do not

Those who can prove that they have taken a hit over $ 125 can get $ 25 for every hour spent spending their lives together in the wake of an Equifax-related identity theft. That deal is capped at $ 20,000. Do not opt ​​out if you want that option

If you think your personal damages as a result of the data breach exceed $ 20,000, talking to your attorney about a separate suit could be an option. But you would have to make sure you opt out of this settlement class first

How do I exclude myself

If you are one of the Americans whose data was exposed, you can send a letter filing and "request for exclusion," postmarked no later than November 19.

Excluding yourself means that you will retain your rights to sue Equifax on your own, should you choose it based on claims related to the 2017 data If you do not do anything, you relinquish your right to sue Equifax in the future, and you give up on the $ 125 or 10 years of [19609006]

free credit monitoring provided by the settlement

Your deadline for opting out is November 19, and your deadline to file and claim based on this settlement is January 22.


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