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Equifax data breach settlement: How to file a claim for $125 or free credit reporting

Kelly Tyko

Published 12:43 AM EDT Jul 25, 2019

If you were affected by the 2017 Equifax data breach, you can now file a claim for a piece of the settlement.

The credit-reporting company has agreed to pay between $575 million and $700 million to settle state and federal investigations related to a massive security incident that exposed the personal information of more than 147 million Americans two years ago.

The settlement, which was announced Monday and is considered the largest ever for a data breach, has preliminary court approval.

The official settlement website,, has been posted and is accepting claims. 

To confirm you’re eligible to file a claim, enter your last name and the last six digits of your Social Security number on the site or call the Settlement Administrator at 1-833-759-2982.

Largest-ever data breach settlement: What does the $700M Equifax settlement mean for you?

Equifax settlement 2019: How to protect yourself beyond a credit freeze

Filing a claim

There are two ways to file a claim. You can file online at or by mail. If by mail, you can download and print the claim form, fill it out and mail it with any supporting documentation. 

You also can request a claim form be mailed to you by calling 1-833-759-2982 or emailing them at

The deadline to file a claim is Jan. 22, 2020. If you want to be excluded from the settlement, you need to send a written request postmarked no later than Nov. 19.

What you can get

Depending on how you were affected by the breach, you could be eligible for several types of compensation. Equifax will pay at least $380.5 million into a Consumer Restitution Fund.

You can get up to 10 years of free credit monitoring of your three credit reports at Experian, TransUnion and Equifax by an independent third-party service that will be determined by the court. Or, you can receive $125 if you already have a credit monitoring service and won’t enroll in the free one. 

If you spent time or money dealing with an ID theft issue that occurred after the hack and involved personal data that was exposed by the breach, you can get compensated up to $20,000 per person.  You can be reimbursed for the following:

In some cases, documentation may be requested to show proof of “fraud, identity theft, or other alleged misuse of your personal information fairly traceable to the data breach,” the settlement website notes.

How long will this take?

According to the settlement website’s frequently asked questions, it’s expected to take several months or more before credit monitoring services will begin and payments will be made. This will start “after the Court enters a final judgment and the settlement becomes final.”

Contributing: Nathan Bomey; Janna Herron; Dalvin Brown

Follow USA TODAY reporter Kelly Tyko on Twitter: @KellyTyko