![]() A lot of that has already happened, and since Equifax is settling, they can’t appeal the ruling. The payments are only required after all the lawsuits on this particular issue are wrapped up, and claims have been validated by an administrator. When will you be getting your check? Well, no one knows for sure. Lifting a freeze can take time, so choose this approach only if you’re not currently thinking about taking out a new loan or credit account.Okay, with that done, let’s assume you met the deadline for claims and are waiting for cash payment. You’re the only one who can request to lift the credit freeze on your file. You can unfreeze your credit when you’re ready to seek a loan or another transaction that requires a lender to pull your credit report. If you apply for things like employment, apartments, or insurance, necessary credit checks can still go through. When you freeze your credit, lenders won’t be able to access your credit information. One way to protect your credit proactively is to contact the three credit reporting companies and place a freeze on your credit. An initial fraud alert lasts for one year. For example, they may call you if you’ve provided a telephone number on your credit file. The credit reporting company you make the report to must communicate your alert to the other two credit reporting companies.Īn initial fraud alert requires lenders to take reasonable steps to make sure the person making new credit requests in your name is actually you. ![]() To do this, you can contact any of the three credit reporting companies. Consider placing an initial fraud alert on your credit fileĪnother way to protect your credit proactively is to place a fraud alert on your file. Our information on credit reports and sample dispute letters can help you with this process. When you check yours, be prepared to take steps to fix incorrect information. You can also request up to seven free reports per year through Equifax until 2026.Īccording to a Federal Trade Commission study, one person in five finds an error in their credit reports. In response to the COVID-19 pandemic, the three nationwide credit reporting companies, Equifax, Experian, and Transunion, are currently offering free weekly access to your credit reports online at. Steps you can take to protect yourself Check your credit reports on your own The specialist can help you with a step-by-step process to deal with companies, government agencies, and credit reporting companies. When you call, you’ll be assigned to a certified Identity Theft Restoration Specialist who can work with you. After you’ve entered your information, you’ll see the phone number to call Experian for help, and the engagement number to give them. To get started, use the look-up tool to confirm that you were affected by the breach. You can use these services even if you never filed a claim for other benefits. You can also request payment if you spent time on things such as:Įveryone affected by the data breach can receive free identity restoration services from Experian, if you discover your personal information was misused. Dealing with fraud or identity theft after the breach.Certain Equifax products purchased before the breach.You can request a reimbursement for money spent on things such as: If your data was part of the breach and you had to spend time or money recovering from it between January 23, 2020, and January 22, 2024, there is an extended period to claim reimbursement. You can still request financial reimbursement For more details and to check your claim status, visit. You’ll receive the payment in the form you requested when you filed your claim-check, PayPal transfer to your account, or prepaid card. Cash reimbursement requests for payment (to repay money you lost, or pay for time you spent recovering from the data breach) that were submitted before the deadline of January 22, 2022, are scheduled to be sent starting in mid-December 2022.
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