Equifax settlement - what's your choice?

[wvugurl26]

I got an email wanting me to provide the name of my credit monitoring company. I don't see why I should give more information to a company who couldn't protect it in the first place. And I'd be really pissed at the credit monitoring company if they were verifying my monitoring to Equifax. The payout is not likely to be anything at this point anyway. It just irks me that they want more information from me when they've proven they aren't responsible with my information.

I might go amend my DH's and claim all the costs for time he spent when his stuff was stolen.

[Deleted]

Aug 2, 2019 8:01:15 GMT -5 wvugurl26 said:

I should have probably spent more time on my DH's claim. He did get his identity stolen last fall. I really don't know whether to blame OPM or Equifax. We've always assumed it was OPM. His stuff is frozen and there's a fraud alert on his account.

It's a hassle since we still need stuff. It either has to go in my name only or you have to see if they know who they use. He unlocked 2 of 3 when we bought my car. I think not unlocking the third cost us more favorable terms because he left the one Chase used frozen. And they would have been better without his name on it but hopefully this helps improve his score.

I got my Kiplinger's magazine today, and it said that you don't have to know if Equifax was at fault.  As long as the identity theft happened after their breach, you are ok.  But they also said the cash part would be negligible.

[NastyWoman]

I was not affected by the breach at all, but I heard on the news last night that those who put in a claim had to do one - added - final step to complete their claim. Since I was not affected I did not pay attention to what that step was supposed to be, but if you put aclaim in you should check that out

[iono1]

My credit got breached and the hacker got stuck paying my balance

I had no credit monitoring, so I had no option to take the money & run.  In order to get the $125 I would have to e-sign an affidavit saying I have credit monitoring.  I'm not about to lie for $125.  

 

[TheOtherMe]

I received the email from Equifax.  Supposedly my account was hacked but nothing bad has happened so far.  Since everyone seems to think the payout will be so small, I requested the credit monitoring in the follow up email.

[trippypea]

Sept 10, 2019 14:59:10 GMT -5 iono1 said:

My credit got breached and the hacker got stuck paying my balance

I had no credit monitoring, so I had no option to take the money & run.  In order to get the $125 I would have to e-sign an affidavit saying I have credit monitoring.  I'm not about to lie for $125.  

 

There were 147M people affected. Out of that 147M, how many actually even bothered to check to see if they were affected? Not 147M. And then, of the ones who did check and did find out they were affected, the original offer from Equifax was for a free year of credit monitoring. Even if every single person opted for that free year (and many didn't because why would you give the keys back to the fox after he ate the chickens), it is doubtful that they would have continued with credit monitoring if they had to pay for it. So the only people eligible for $125 are the ones who found free monitoring elsewhere, or opted to pay for it, and that would be a much smaller number than 147M.

It wouldn't surprise me if they got more than 147M claims!

[tractor]

I followed the link and confirmed that I was not affected. Never really bothered to check before, so at least now I know.

[TheOtherMe]

When I followed the link, I was affected.  I think I received an email back at the time.  That is the reason my credit is now frozen.

[JustLurkin]

I received a post card regarding the choices, but was never notified I was affected.  I have never been notified I was affected by any breach, not Equifax, not OPM, not various hotel chains, not Labcorp, not Target, not Citibank, once Bank of America issued me a new card with a new number but wouldn't tell me why.

My credit has been frozen for years.  I needed it lifted for some reason, can't even think of why, and had to call Equifax because their online system would not unlock my account.  The poor woman kept on asking me identity verification questions, she asked so many I told her I wasn't going to answer any more either unlock my account or don't.  I told her I felt like an idiot calling some number on some website that may or may not be secure, some lady in a foreign country answered the phone and is telling me she already has all this personal information about me and needs me to "verify" it, we're approaching a dozen questions now--youuuuu verify who youuuuu are.  Then she made the mistake of saying "Equifax takes security very seriously."   Lady.LETS.NOT.PLAY.THAT.GAME.  Suddenly it was determined I provided enough information and they would unlock my account.  Supposedly, the reason they needed so much verification is because the birth year they had on file was different than the one I provided, whatev--it's been my birthday my whole life. 

[Deleted]

Sept 13, 2019 17:23:25 GMT -5 JustLurkin said:

My credit has been frozen for years.  I needed it lifted for some reason, can't even think of why, and had to call Equifax because their online system would not unlock my account.  The poor woman kept on asking me identity verification questions, she asked so many I told her I wasn't going to answer any more either unlock my account or don't.  <snip>Suddenly it was determined I provided enough information and they would unlock my account.

I am definitely going to use this tactic next time I have to unlock my credit- probably if I apply for another credit card, which is extremely unlikely unless I get offered some mega- signon on bonus.  And I'll also tell them that I plan to inform the credit card company that I'm no longer interested in their card because (name of credit agency) threw up too many roadblocks when I tried to unlock my credit.