If you're reading this, then you -- or someone you know -- was probably affected by the 2017 Equifax data breach that exposed personal data of 147 million people to hackers. (To check if you were part of the breach -- and therefore eligible to file claims to recover expenses and losses -- go to the official data breach settlement website, where you'll enter your last name and last six digits of your Social Security number in the online form.) And if your data was exposed in the breach, you probably know you can submit a claim as part of the class action settlement between Equifax and the Federal Trade Commission to be compensated for expenses and time spent recovering from the breach.
Through the settlement, you can submit claims for multiple benefits, so filing for one doesn't prevent you from receiving others. And you have until Jan. 22, 2020, to file. (The FTC said fake settlement sites are popping up, so be sure you are at the real one.)
While the other claims you can request are straightforward, one offers you a choice: Request $125 or 10 years of credit monitoring. You may be tempted to take the cash payment, but consider your options first - ..
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