What Should I Do About The Equifax Data Breach?
Regardless of whether your name shows up in Equifax’s list of potentially compromised customers (https://trustedidpremier.com/eligibility/eligibility.html) you should order your credit report from all three Credit Reporting Agencies and determine if you have had any unauthorized inquiries or any unauthorized credit accounts opened since May 1, 2017.
If someone else made an inquiry to your credit, or was successful in opening a credit account in your name after May 1, 2017, you should place an immediate temporary credit freeze on your credit. Most states authorize this service for free. You can also Google “free credit freeze in <>” for more information. Be very careful who you provide your personal information to and satisfy yourself that the website you are using is legitimate. NEVER give out banking/credit/debit card information for anything that is advertised as “free.” If someone has tried to access your credit, or actually opened a credit account in your name, send us an email at email@example.com or call our Equifax Litigation Information Line at 678-290-2274. Make sure you include your name, address, contact information and a complete description of what happened.
Check out what Clark Howard says about obtaining a credit freeze. http://clark.com/personal-finance-credit/credit-freeze-and-thaw-guide/. Website addresses for credit freeze information at the three main credit reporting agencies are available as follows:
Arbitration: Did you waive your right to litigate damage claims in a court of law?
If you enrolled in Equifax’s free credit monitoring service, you have agreed to arbitrate your dispute. This means you’ve allowed Equifax to pick the person who will decide whether anyone at Equifax has done anything wrong and how much they should pay. Although Equifax has since said that this arbitration agreement does not apply to the data breach, if you want to make sure that Equifax will be held accountable for your damages in a court of law, you should immediately send the following letter: