Equifax update: Don't sign up for credit monitoring!

[mme_hardy]

You're fine if you use the existing form to check if you're affected, because it doesn't ask for a waiver.  However, don't sign the form Equifax offers for credit monitoring.  In the fine print, it waives your right to join class action suits. 

Comments

[movingfinger]

Thank you!

Some credit unions offer credit monitoring to members as part of the membership package, and I believe some credit cards come with that as well.

And, US residents, remember you are entitled to a free copy of your credit report from each of the Big Three (Transunion, Equifax, and Experian) annually; space your requests out and you can check on your accounts every four months.

(Personally, I'm still covered by the credit monitoring that was set up after the massive GSA fnckup.)

[oracne]

Good to know!

[ethelmay]

You can put a freeze on your credit as well, though it costs something (waived if there's been proven identity theft). https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs

A fraud alert is free and lasts 90 days (also covered in above site).

It's a particularly awful time for this to happen given how many folks are displaced by flooding and all.