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Equifax breakthrough: check if you qualify, how to file a claim, and see what you get



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James Martin / CNET

If you were among the 147 million people whose data was revealed in 201

7 The Equifax data breach now you can see if you qualify to file a claim and then file one for to recover the money you spent or lost as a result of the massive hack. The Federal Trade Commission said last week that Equifax agreed to pay at least $ 575 million and up to $ 700 million to compensate the victims of hackers who stole personal data from Equifax servers. Payment as part of the settlement can cover the cost of recovering from the company security breach of free credit reports – including recovery from identity theft and freezing and defusing accounts – and unauthorized charges to your account. You can also file a claim to cover the cost of identity theft protection following the breach of Equifax data.

The breakthrough has led to hackers having stolen the social security numbers, addresses, credit card information and driver's license, birthdates, and other personal data stored on Equifax servers. As part of its investigation, FTC argued that the free credit bureau had failed to take reasonable steps to protect its network.

To get started, you can check whether you and your information have been exposed as part of the violation. Then, if your data has been disclosed, collect receipts and other hacking documents that show losses and costs from your own pocket. Finally, file your claim for damages. You must submit by January 22, 2020 as part of the class action.

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Even if you are not part of the violation and you do not qualify for a claim, you can get free credit reports for seven years as part of the agreement.

Participation in the settlement of Equifax is not entirely clear. The exact amount that Equifax will pay is not determined. The proposed agreement will begin with a $ 300 million fund to compensate affected consumers who have purchased credit monitoring services. Equifax will also pay $ 175 million to states and regions – and $ 100 million to the Financial Consumer Protection Bureau for Civil Penalties.

If the initial infusion of $ 300 million does not adequately compensate consumers, the FTC says Equifax has agreed to raise another $ 125 million in the fund to get a total of $ 700 million. If you are a claimant, your settlement share may include free credit monitoring and identity theft. You may also be entitled to cash payments to cover costs as a result of the violation – such as legal fees and credit monitoring – free help recovering from identity theft and free credit reports for 10 years.

Here's how to get involved in the settlement.

Find out if you've been affected by the violation

If you want to check if your data has been exposed, the FTC and the official settlement site have an online tool that you can use to check if you were part of an Equifax breach.

You'll need to enter your last name and the last six digits of your social security number to see if your data is part of the hacking.

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To begin, enter your last and last six digits


Photo by Clifford Colby / CNET

Prepare and Submit Your Claim

On the Equifax Data Breach Settlement website, you can now claim a refund for the money you have lost or spent as a result of the widespread wound. Here's how to prepare and then file a claim.

  • In order to support your request, you must collect all documents and receipts related to the violation to show the costs you had to recover from identity theft and
  • To follow the agreement, the Federal Trade Commission proposes to register to receive e-mail updates.
  • And the Federal Trade Commission has a number you can call – (833) 759-2982 – for updates.
  • On the official settlement site, you send a claim online.
  • You can also follow the instructions on the site to send your request by mail or to send a request form to you.
  • As part of the claim process, you will choose which benefits you are responsible for, and review the documents you need to submit to support your claim. Support documents include reports showing unauthorized charges, freezing costs for your account, fees paid to professionals, theft assistance and other related costs.
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What Settlement Settlements Cover

The proposed agreement caps $ 20,000 per person payout to help cover the costs you have spent on repayment.

  • Expenses related to unauthorized charges to your accounts
  • Expenses for credit card freeze and credit monitoring
  • Charges paid to accountants, lawyers and other professionals
  • Expenses for postage, mileage, notary and other Services
  • Credit Monitoring Fees, to $ 125.
  • Equifax Credit Monitoring Costs and Other Services Year of the Infringement
  • In addition, Equifax will provide all users in the US – whether or not part of a settlement or not – six additional free credit reports per year for seven years, from their website.

    When do I have to file a claim

    FTC said you had to file your claim by January 22, 2020. You will soon receive the benefits for which you are responsible for January 23, 2020, the Federal Trade Commission .

    This is the information we know right now with many details to come. We will update this story when we learn more.


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