ETA, 9-9-17 PLEASE READ FIRST: Things got hairy here real fast: a class action was recently filed against Equifax (which I didn't learn of until shortly after posting) and signing up at Equifax for credit protection (or even entering your name to check if you were affected by this breach) using the steps below could legally prevent you from becoming a member.
I'd signed up before writing this, but because I don't hold Equifax responsible (hackers gonna hack, and they're getting sort of good at it, lemme tell you!) I'm not worried about joining. It would be nice if I could, especially if this breach winds up costing me money and/or my privacy down the road, but if I can't I can't.
I just wish I'd known of the lawsuit before signing up for protection. In light of that, I want others to be aware of any possible trade-offs they'll be making.
The Verge reports on what to do if you've already entered your name or signed up for protection (emphasis mine):
For now, the one existing loophole is Equifax’s opt-out provision — another common element of arbitration clauses. Within 30 days of agreeing to the terms of the enrollment, you can deliver a written notice to this address:
Equifax Consumer Services LLC, Attn.: Arbitration Opt-Out P.O. Box 105496
Atlanta, GA 30348
It needs to include your name, address, and Equifax User ID, as well as “a clear statement that you do not wish to resolve disputes with Equifax through arbitration.”
ETA2: the above opt-out information is useless for anyone who isn't a paying Equifax customer, as the rest of us didn't get "Equifax User IDs" just by checking our names on the website or signing up for credit protection.
ETA3: More updates are in a separate post.
It's been a banner week for this sort of thing, hasn't it? And I'm in the affected users pile, so I'll be signing up for protection (they put you on a waiting list because apparently they wish to not imitate healthcare.gov with a disastrous rollout, so signup looks to be ongoing in slow waves).
In five steps, because apparently they feel a bit awkward about putting us through all this
- Read the blah blah blah
- Click here, more blah blah blah. Now click the button (it takes you here: Check Potential Impact)
- See if you were in the affected user pile by typing your last name and last six numbers of your Social Security number into boxes on this screen
- Take the "I'm not a robot" vision tests (I hate these fucking things; anyone else?)
- Sign up for protection