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Link Posted: 7/24/2019 1:33:37 PM EDT
[#1]
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Quoted:
My info was compromised. I wonder if I should get the monitoring or collect 125$
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The 3-bureau monitoring (by Experian) is a good value.  It typically costs about $20/year, so 4 years worth would be about $960.
Link Posted: 7/24/2019 1:33:42 PM EDT
[#2]
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Quoted:
My info was compromised. I wonder if I should get the monitoring or collect 125$
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How long is the free credit monitoring good for?
Link Posted: 7/24/2019 1:33:44 PM EDT
[#3]
Ha....Their fucking site is down.  ARF ruins a good thing again.
Link Posted: 7/24/2019 1:34:58 PM EDT
[#4]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
How long is the free credit monitoring good for?
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Discussion ForumsJump to Quoted PostQuote History
Quoted:
Quoted:
My info was compromised. I wonder if I should get the monitoring or collect 125$
How long is the free credit monitoring good for?
All 3 bureaus for 4 years, and more.  The .gov page link in the OP has that information.
Link Posted: 7/24/2019 1:35:42 PM EDT
[#5]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Quite BS that they cap a date on it.

What if my info is still out there and just has not been used yet. So I am ok now but 3 years from now I'm dealing with the crap because of them.

Total BS
View Quote
Lock all of your credit accounts
Link Posted: 7/24/2019 1:36:19 PM EDT
[#6]
Link Posted: 7/24/2019 1:36:37 PM EDT
[#7]
In addition to the $125, you can also be compensated $25/hr for time spent dealing with this issue up to a maximum of twenty hours. Ten hours or fewer requires no supporting documentation, so I entered one hour for placing credit freezes and nine hours for pain and suffering.

Link Posted: 7/24/2019 1:36:46 PM EDT
[#8]
$250. Nice
Link Posted: 7/24/2019 1:36:56 PM EDT
[#9]
Whether you were in the breach or not, EVERYONE should freeze their credit.

https://clark.com/credit/credit-freeze-and-thaw-guide/

You can thaw it online if you need to borrow money (takes 1 day)
Link Posted: 7/24/2019 1:37:01 PM EDT
[#10]
Thanks
Link Posted: 7/24/2019 1:37:12 PM EDT
[#11]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Lock all of your credit accounts
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Quoted:
Quite BS that they cap a date on it.

What if my info is still out there and just has not been used yet. So I am ok now but 3 years from now I'm dealing with the crap because of them.

Total BS
Lock all of your credit accounts
That's what my wife and I did.
Link Posted: 7/24/2019 1:37:31 PM EDT
[#12]
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Quoted:

Lock all of your credit accounts
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That's a very good thing to do.  It just complicates things if you need to get a loan, a background check, etc.
Link Posted: 7/24/2019 1:38:10 PM EDT
[#13]
Never got my tuna, did get the redbull check for $2.50 though!

I was able to file a basic claim for $125!

Thanks OP!

Now how long until i actually receives a check...
Link Posted: 7/24/2019 1:38:29 PM EDT
[#14]
I'm eligible, am I an idiot for wanted the $125 over the protection?
Link Posted: 7/24/2019 1:40:51 PM EDT
[#15]
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Quoted:
I'm eligible, am I an idiot for wanted the $125 over the protection?
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I don't think so, it's a bird in the hand.

My concern about the cash option is that there isn't anywhere near enough money to cover $125 for every person if all 147 million potential class members apply for it.  I don't know what will happen.
Link Posted: 7/24/2019 1:41:27 PM EDT
[#16]
This is one that really chapped my ass. I never once directly gave Equifax my information, never personally had a business dealing with them. I don't even think I have to option to tell them to delete me from their system.
Link Posted: 7/24/2019 1:42:03 PM EDT
[#17]
Link Posted: 7/24/2019 1:42:29 PM EDT
[#18]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Quite BS that they cap a date on it.

What if my info is still out there and just has not been used yet. So I am ok now but 3 years from now I'm dealing with the crap because of them.

Total BS
View Quote
Reading is hard:

"Credit Monitoring: Free Service or Cash PaymentYou may be eligible to receive free credit monitoring or up to $125 if you already have credit monitoring.

You can receive free, three-bureau credit monitoring at all three national credit reporting agencies (Equifax, Experian, and TransUnion). Experian will provide this service for at least 4 years. You can also enroll in free, single-bureau credit monitoring of your Equifax credit file, provided by Equifax, for up to 6 years after the Experian service ends.

Or, if you have credit monitoring services that you will keep for at least 6 months, you can request a cash payment of $125.

Please select either Option 1 or Option 2 below, but not both."
Link Posted: 7/24/2019 1:43:52 PM EDT
[#19]
$125 for me!
Link Posted: 7/24/2019 1:44:59 PM EDT
[#20]
Discussion ForumsJump to Quoted PostQuote History
Quoted:

The form is simple and explains everything.  You have three options:

1. Free credit monitoring,
2. $125, or
3. If you can document actual damages and/or time spent, up to $20,000.

ETA my mom, my wife, my brother, and I are all eligible according to the lookup tool.
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Considering it was 147 million people, probably everyone is eligible.
Link Posted: 7/24/2019 1:45:08 PM EDT
[#21]
Here is my brother's reply, which contains a good suggestion on how to get more than $125 if you can document it:

Oh Yes!    Just put in our claims as well.   Also claimed time spent screwing around with freezes and un-freezes for three different loan events during 2018!

Thanks for sending this.....if we get everything asked for I'm buying lunch!
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Link Posted: 7/24/2019 1:46:10 PM EDT
[#22]
It says I’m eligible, however, this came up...

Attachment Attached File


What if a person, while affected, didn’t actually get impacted by this data breach, nor did they spend much time taking preventative steps?  All I do is check my Credit Karma app from time to time...
Link Posted: 7/24/2019 1:46:45 PM EDT
[#23]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
OP = COOL GUY
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Indeed
Link Posted: 7/24/2019 1:47:13 PM EDT
[#24]
Ha! I had my info breached again a couple months ago so I already have credit monitoring. $150!

Seems I have had free credit monitoring for the last 3 years in one way or the other due to all of the breaches.
Link Posted: 7/24/2019 1:47:30 PM EDT
[#25]
I get nothing.

Thanks for the tip though
Link Posted: 7/24/2019 1:48:11 PM EDT
[#26]
Eligible here, already claimed the $125. Not sure if the wife is eligible yet.
Link Posted: 7/24/2019 1:48:51 PM EDT
[#27]
I went with the 4 years 3 credit coverage + additional 6 year coverage from equifax.
Link Posted: 7/24/2019 1:49:53 PM EDT
[#28]
i locked my credit a year ago for free.... mainly so i would not have to worry about it, plus i keep getting weird emails suck as... " we got your loan application.. but need more infor to finish processing ".. about 5 different versions of that shit.

im getting $125.00 !  thats ammo money baby !
Link Posted: 7/24/2019 1:51:15 PM EDT
[#29]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
In addition to the $125, you can also be compensated $25/hr for time spent dealing with this issue up to a maximum of twenty hours. Ten hours or fewer requires no supporting documentation, so I entered one hour for placing credit freezes and nine hours for pain and suffering.

View Quote
For those of us that have credit monitoring, you can claim the time spent signing up for it, time spent each month logging in and checking it, and the cost paid for the service.... on top of the $125.

15 minutes per month since September 2017, and $13 per month for the service. My claim will be around $540.
Link Posted: 7/24/2019 1:51:49 PM EDT
[#30]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
This is one that really chapped my ass. I never once directly gave Equifax my information, never personally had a business dealing with them. I don't even think I have to option to tell them to delete me from their system.
View Quote
That's right.  The credit bureaus get your personal information from banks, which collect it when you apply for loans or open deposit accounts.  It's a racket, and they are darlings of big government.
Link Posted: 7/24/2019 1:53:26 PM EDT
[#31]
I wonder how bad they'll sing my credit score for submitting a claim.  
Link Posted: 7/24/2019 1:53:59 PM EDT
[#32]
thank you op!  I qualified and filed a claim.  We'll see if a check shows up...
Link Posted: 7/24/2019 1:54:14 PM EDT
[#33]
I was impacted so I'm filing. Thanks, OP. I'll have my wife check on this later too.
Link Posted: 7/24/2019 1:55:22 PM EDT
[#34]
Discussion ForumsJump to Quoted PostQuote History
Quoted:

It's FTCs website. They already have your social.

Also make sure you guys have credit freezes.
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It looks legit.  Search for the story and you will find the same link all over the net, including news stories.

Thanks for posting this OP.
Link Posted: 7/24/2019 1:55:29 PM EDT
[#35]
Woot woot!!!!  Wife and I both got hit.  Gonna be rolling in free money now!  Thanks OP!  
Link Posted: 7/24/2019 1:55:41 PM EDT
[#36]
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Quoted:
I went with the 4 years 3 credit coverage + additional 6 year coverage from equifax.
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I'm starting to think this is a better idea.

$125 is $125

Knowing my info is out there and the headaches I will have is some asshole tries to steal my identity is not worth it.
Link Posted: 7/24/2019 1:55:42 PM EDT
[#37]
I can haz moneys?
Link Posted: 7/24/2019 1:55:52 PM EDT
[#38]
I would say we all spent about... 10 hours... dealing with this breach personally, monitoring our credit and other accounts.

Link Posted: 7/24/2019 1:56:35 PM EDT
[#39]
What exactly qualifies as "damages"?

A few years ago some douchebag ordered an iPhone on my Verizon account and had it shipped to NYC. Verizon waved the charges.

Last year my wife's debit card was cloned and some cunt rang up $4000 worth of miscellaneous charges at various stores the next county over. Her bank reimbursed the money.

Both scenarios cost hours of playing phone tag.
Link Posted: 7/24/2019 1:57:10 PM EDT
[#40]
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Quoted:

All 3 bureaus for 4 years, and more.  The .gov page link in the OP has that information.
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OK thanks.
Link Posted: 7/24/2019 1:59:14 PM EDT
[#41]
You do know that when you filled out that info that you were leaving the FTC sight and did any of you actually read the disclaimer?,,did you?
Link Posted: 7/24/2019 1:59:30 PM EDT
[#42]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
$250 (wife and I)

Free money.

w00t
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Link Posted: 7/24/2019 1:59:30 PM EDT
[#43]
Huh, sweet.  Never hurts to get an extra $125!
Link Posted: 7/24/2019 2:01:21 PM EDT
[#44]
I signed up for the credit monitoring and 3 hours of reimbursement for time I've spend researching the breach and monitoring my credit over the last couple of years. Honestly probably spent more time and probably should have done 6+ hours.
Link Posted: 7/24/2019 2:01:27 PM EDT
[#45]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
What exactly qualifies as "damages"?

A few years ago some douchebag ordered an iPhone on my Verizon account and had it shipped to NYC. Verizon waved the charges.

Last year my wife's debit card was cloned and some cunt rang up $4000 worth of miscellaneous charges at various stores the next county over. Her bank reimbursed the money.

Both scenarios cost hours of playing phone tag.
View Quote
I was wondering the same.  Wife units card was fraudulently charged.  It took me about 3-4 hours to get completely sorted.
Link Posted: 7/24/2019 2:02:12 PM EDT
[#46]
LOL, I'm not typing in my social on some random site.

Although since I was in the Army I'm sure there's probably 12 people currently using it for something anyway.
Link Posted: 7/24/2019 2:02:41 PM EDT
[#47]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
It says I’m eligible, however, this came up...

https://www.AR15.Com/media/mediaFiles/177088/22A03AB7-021F-4FDF-AA4F-23BF9E03362D_jpeg-1028456.JPG

What if a person, while affected, didn’t actually get impacted by this data breach, nor did they spend much time taking preventative steps?  All I do is check my Credit Karma app from time to time...
View Quote
@highstepper

Just press next and next if they don't apply to you.
Link Posted: 7/24/2019 2:03:48 PM EDT
[#48]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
LOL, I'm not typing in my social on some random site.

Although since I was in the Army I'm sure there's probably 12 people currently using it for something anyway.
View Quote
Yeah, that dude who pulled out the paperwork from the trash after someone from S1 was cleaning out their car has your ID now.
Link Posted: 7/24/2019 2:04:13 PM EDT
[#49]
Thanks OP! These kinds of things really tick me off. I still haven’t been compensated for the OPM hack which stole all of my information. Bastards.
Link Posted: 7/24/2019 2:05:02 PM EDT
[#50]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
You do know that when you filled out that info that you were leaving the FTC sight and did any of you actually read the disclaimer?,,did you?
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Care to enlighten us?

I didn't. I have filed yet, I just checked eligibility.
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