![]() ![]() So each time you apply for a credit card, mortgage or loan, you need to lift the freeze a few days beforehand.įreezes can be done online at the websites of the three credit reporting agencies - Equifax, Experian and TransUnion. A freeze stops thieves from opening new credit cards or loans in your name, but it also prevents you from opening new accounts. You can consider freezing your credit reports, but it comes with some downsides. “If any of the data was exposed, you will be living with that for the rest of your life,” said Rich Mogull, who runs the security research firm Securosis. Review it closely for unauthorized accounts or any mistakes.Īnd you may need to be vigilant much longer than the free year of credit monitoring Equifax is offering. You’re entitled to get a free copy of your credit report from each of the three big agencies once every 12 months. You can view your credit reports for free at. Late Friday, Equifax said the arbitration language that appears on its website “will not apply to this cybersecurity incident.” Democrats in the House and Senate called on the company to pull back that requirement. ![]() Several politicians and consumer groups have criticized this provision. Initially, though, there was a catch - signing up would also commit you to binding arbitration with the credit monitor, which would mean giving up your right to sue. You can sign up at the same site listed above, and the deadline to do so is Nov. The company says the service will search suspicious sites for your Social Security number, give you access to your Equifax report and other offerings. The company says it will send mail to all who had personally identifiable information stolen.Įquifax is also offering free credit monitoring for a year. Consumers can also call 86 for information. For more details, check out this article from cnet.Equifax set up a site,, where you can type in your last name and six digits of your Social Security number to find out if your data may have been compromised. ![]() In order to keep up with any changes to the Equifax settlement, visit the FTC’s Equifax Data Breach Settlement page or sign up to receive email updates. Those who file claims should not expect to receive benefits until Januat the earliest. Depending on the level of fallout from your data compromise, you may need to provide supporting documents and receipts related to any expenses that resulted from the breach.Īccording to the FTC, all claims must be submitted by January 22, 2020.
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