If you signed up to claim your $125 from July's Equifax settlement, you probably got a confusing, frustrating email over the weekend. "You must provide the name of your credit monitoring service that you had in place when you filed your claim," the message reads, threatening to revoke your payout if you don't. Don't worry: You can still get your cash.
First of all, it's entirely understandable if you thought the form you already filled out was, you know, the Equifax settlement claim itself. It turns out, though, that the process was always going to include this second step. If you opted for money instead of the free credit monitoring option offered under the terms of the deal, you now have to prove that you've already got credit monitoring in place. But you're forgiven if you didn't take time out of your life to establish this very specific paper trail.
The good news is that you very well may have credit monitoring in place, whether you realize it or not. The free credit monitoring Equifax offered after its breach has now expired, but many states offer a list of disclosed breaches that you can check. Many of those companies have given out free credit monitoring as recompense. For example, certain victims of the Capital One and Verity Health System breaches were offered free credit monitoring. If you don't live in a state that maintains such a list, you can use tools like the Privacy ..
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