Equifax claims process is now open
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@Nic said in Equifax claims process is now open:
@Kelly said in Equifax claims process is now open:
Thanks for posting this @Nic. I had someone open a credit card in my name with information stolen from Equifax. Luckily they didn't use it for anything before it got flagged.
Glad it got caught before causing you any damage. You can still claim any time you spent dealing with this, such as time on the phone with credit agencies or your bank.
Yup, I already put in for that. Yay money
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@murpheous said in Equifax claims process is now open:
Surprisingly, I'm not on the list.
Me either! and I have plenty of credit history over the past 18 years. My wife was on it, who never had a credit card until after we were married a few years ago.
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@Kelly said in Equifax claims process is now open:
Thanks for posting this @Nic. I had someone open a credit card in my name with information stolen from Equifax. Luckily they didn't use it for anything before it got flagged.
The same happened to my wife - though the card showed up at our house. The whole situation was just bizarre... it could have been so much worse.
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I'm getting the cash. 10 years of credit monitoring is worthless, same with their insurance. It won't prevent identity or credit card theft. And their reaction time is piss poor, you'd get a notice 1-3 months later of someone opens new account in your name, and by that time crook will probably charge thousands. Credit freeze is the only option and they don't offer that. Discover bank offers credit monitoring for free to anyone: https://csp.discover.com/free-credit-score/index.html
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@marcinozga said in Equifax claims process is now open:
I'm getting the cash. 10 years of credit monitoring is worthless, same with their insurance. It won't prevent identity or credit card theft. And their reaction time is piss poor, you'd get a notice 1-3 months later of someone opens new account in your name, and by that time crook will probably charge thousands. Credit freeze is the only option and they don't offer that. Discover bank offers credit monitoring for free to anyone: https://csp.discover.com/free-credit-score/index.html
Much like Credit Karma
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Yes, Credit Karma checks 2 bureaus I think, while Discover does 1. I just realized I had to place Fraud Alert after that breach and I spent some time on phone with bank when I applied for iPhone financing during that time, so that's going to qualify as expenses.
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@marcinozga said in Equifax claims process is now open:
I'm getting the cash. 10 years of credit monitoring is worthless, same with their insurance. It won't prevent identity or credit card theft. And their reaction time is piss poor, you'd get a notice 1-3 months later of someone opens new account in your name, and by that time crook will probably charge thousands. Credit freeze is the only option and they don't offer that. Discover bank offers credit monitoring for free to anyone: https://csp.discover.com/free-credit-score/index.html
This is the best. "We promise to monitor and protect your data with all the quality we had before." Mmmm, nope, I'll take cash tyvm.
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@marcinozga said in Equifax claims process is now open:
I'm getting the cash. 10 years of credit monitoring is worthless, same with their insurance. It won't prevent identity or credit card theft. And their reaction time is piss poor, you'd get a notice 1-3 months later of someone opens new account in your name, and by that time crook will probably charge thousands. Credit freeze is the only option and they don't offer that. Discover bank offers credit monitoring for free to anyone: https://csp.discover.com/free-credit-score/index.html
Who doesn't offer Credit Freeze? All three of the credit agencies offer credit freezes now - for free. It was a law passed a shortish while ago.
I managed to freeze Experian and Equifax 2 years ago.. but had issue getting into Transunion... well, in that time, it's become free and all three have made it much easier (though still not brain dead easy) to freeze unfreeze your credit). As of this morning I have all three frozen.
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@Dashrender said in Equifax claims process is now open:
@marcinozga said in Equifax claims process is now open:
I'm getting the cash. 10 years of credit monitoring is worthless, same with their insurance. It won't prevent identity or credit card theft. And their reaction time is piss poor, you'd get a notice 1-3 months later of someone opens new account in your name, and by that time crook will probably charge thousands. Credit freeze is the only option and they don't offer that. Discover bank offers credit monitoring for free to anyone: https://csp.discover.com/free-credit-score/index.html
Who doesn't offer Credit Freeze? All three of the credit agencies offer credit freezes now - for free. It was a law passed a shortish while ago.
I managed to freeze Experian and Equifax 2 years ago.. but had issue getting into Transunion... well, in that time, it's become free and all three have made it much easier (though still not brain dead easy) to freeze unfreeze your credit). As of this morning I have all three frozen.
What I meant was they didn't list that as an option in settlement, instead they offered some useless services. If you don't know about credit freeze in first place, you won't get it. And even if you do, you have to do all the work, and you have to contact all 4 credit bureaus.
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@marcinozga said in Equifax claims process is now open:
@Dashrender said in Equifax claims process is now open:
@marcinozga said in Equifax claims process is now open:
I'm getting the cash. 10 years of credit monitoring is worthless, same with their insurance. It won't prevent identity or credit card theft. And their reaction time is piss poor, you'd get a notice 1-3 months later of someone opens new account in your name, and by that time crook will probably charge thousands. Credit freeze is the only option and they don't offer that. Discover bank offers credit monitoring for free to anyone: https://csp.discover.com/free-credit-score/index.html
Who doesn't offer Credit Freeze? All three of the credit agencies offer credit freezes now - for free. It was a law passed a shortish while ago.
I managed to freeze Experian and Equifax 2 years ago.. but had issue getting into Transunion... well, in that time, it's become free and all three have made it much easier (though still not brain dead easy) to freeze unfreeze your credit). As of this morning I have all three frozen.
What I meant was they didn't list that as an option in settlement, instead they offered some useless services. If you don't know about credit freeze in first place, you won't get it. And even if you do, you have to do all the work, and you have to contact all 4 credit bureaus.
You're absolutely right - and as Scott will undoubtly say/agree with - of course they won't do that, that is counter to their business, against their shareholders, etc.
