Submit Your Claim in the Equifax Breach Settlement • Hacker News Board

Re: Submit Your Claim in the Equifax Breach Settlement

#71

Post by reificator » Thu, Jul 25, 2019, 7:18 PM UTC

tony wrote: post #60

soulofmischief wrote: post #44

I don't want money. I don't want free service. I don't want any compensation. I want Equifax as a company to be dissolved for incompetency with private data, and I want a way to legally opt out of other such companies collecting and aggregating private data about me.

> I want a way to legally opt out of other such companies collecting and aggregating private data about me. Compare a desire to legally opt out (after checking a box, agreeing to a privacy policy you never read, having your data from 10 years ago - with a chain of custody/dispersal that's probably untenable, if not impossible, to map by now - synthesized by a third party) to GDPR's concept of consent: "The key point…

Yes opt in is obviously better for the end user[0], but don't let perfect be the enemy of good here. We don't have opt out yet.

[0]: Until opt in becomes mandatory for use of critical services like having a bank account or paying your power bill.

Re: Submit Your Claim in the Equifax Breach Settlement

#72

Post by astura » Thu, Jul 25, 2019, 7:18 PM UTC

hbosch wrote: post #55

astura wrote: post #13

Earlier quoted context omitted.

Its somewhat of an unsolved problem, there's all sorts of these kind of sites that are legitimate but look really suspicious, like they could be phishing sites. Examples: https://www.annualcreditreport.com/ https://www.optoutprescreen.com/ You can tell these two are legit because they are listed on official government sites: https://www.ftc.gov/faq/consumer-protection/get-my-free-cred... https://www.consumer.ftc.gov/…

My mortgage company uses similar URLs that I always associate with scams. It's something like PayMyMortgage.com or something along those lines.

Is it https://yourmortgageonline.com/?

That site looks super sketchy.

Re: Submit Your Claim in the Equifax Breach Settlement

#73

Post by cmurf » Thu, Jul 25, 2019, 7:20 PM UTC

discreditable wrote: post #24

It's turbo BS that you're not entitled to cash payout unless you already have a credit monitoring service.

Step 2, you can self certify up to 10 hours how much time you've spent on prevention or dealing with ID theft. That's $250. And if you can prove it with documentation, an additional 10 hours, for a total of $500.

Re: Submit Your Claim in the Equifax Breach Settlement

#74

Post by bdcravens » Thu, Jul 25, 2019, 7:21 PM UTC

partiallypro wrote: post #50

simonsarris wrote: post #2

It would become a legendary case study if this site turned out to be an information phishing site. (This one is legit but I expect it to happen someday. I'm surprised it hasn't already.) After all this site links to the law firm JND, but nowhere does JND mention this site. So any of us could have made this site. Use the form below to find out if your information was impacted and if you are a class member. Last Name _…

The site didn't ask for my social

It asks for the SSN (last 6 digits) on the eligibility page, not the claim page:

https://eligibility.equifaxbreachsettlement.com/en/eligibili...

Re: Submit Your Claim in the Equifax Breach Settlement

#75

Post by [deleted] » Thu, Jul 25, 2019, 7:22 PM UTC

swalsh wrote: post #69

soulofmischief wrote: post #44

I don't want money. I don't want free service. I don't want any compensation. I want Equifax as a company to be dissolved for incompetency with private data, and I want a way to legally opt out of other such companies collecting and aggregating private data about me.

"I want a way to legally opt out of other such companies collecting and aggregating private data about me." The problem is this also means you will be completely opting out of the credit system. No more morgtgages, no more credit cards, no more car loans. I'm afraid it's kind of a necessary evil.

[deleted]

Re: Submit Your Claim in the Equifax Breach Settlement

#76

Post by bittercynic » Thu, Jul 25, 2019, 7:22 PM UTC

swalsh wrote: post #69

soulofmischief wrote: post #44

I don't want money. I don't want free service. I don't want any compensation. I want Equifax as a company to be dissolved for incompetency with private data, and I want a way to legally opt out of other such companies collecting and aggregating private data about me.

"I want a way to legally opt out of other such companies collecting and aggregating private data about me." The problem is this also means you will be completely opting out of the credit system. No more morgtgages, no more credit cards, no more car loans. I'm afraid it's kind of a necessary evil.

Maybe not - If a substantial number of potential borrowers are able to opt out, then lenders might start to find it worthwhile to find a way to accommodate them.

Re: Submit Your Claim in the Equifax Breach Settlement

#77

Post by soulofmischief » Thu, Jul 25, 2019, 7:23 PM UTC

swalsh wrote: post #69

soulofmischief wrote: post #44

I don't want money. I don't want free service. I don't want any compensation. I want Equifax as a company to be dissolved for incompetency with private data, and I want a way to legally opt out of other such companies collecting and aggregating private data about me.

"I want a way to legally opt out of other such companies collecting and aggregating private data about me." The problem is this also means you will be completely opting out of the credit system. No more morgtgages, no more credit cards, no more car loans. I'm afraid it's kind of a necessary evil.

I understand and embrace this.

Re: Submit Your Claim in the Equifax Breach Settlement

#78

Post by dv_dt » Thu, Jul 25, 2019, 7:23 PM UTC

TallGuyShort wrote: post #27

jbredeche wrote: post #18

If this breach affected 147M people (which is what I can find from various articles), and $700M was set aside (before attorney fees), and most claims will be $125, that's only ~4M people who will get $125. Are they expecting very few people to file claims? Or what am I missing?

It sounds to me like they'll give you free credit monitoring, UNLESS YOU ALREADY HAD CREDIT MONITORING, then they'll give you $125. Most people don't have credit monitoring, I think. Personally, I've found the free credit monitoring that they gave me pretty useless. I get an email regularly telling me my score changed. I have to go log in and find out I went up 2 points because of an algorithm change. Thanks for look…

I have about four different free and offered after breach monitoring services. It seems to average about a new one breach and "monitoring" every couple of years recently.

Re: Submit Your Claim in the Equifax Breach Settlement

#79

Post by amiantos » Thu, Jul 25, 2019, 7:24 PM UTC

jbredeche wrote: post #18

If this breach affected 147M people (which is what I can find from various articles), and $700M was set aside (before attorney fees), and most claims will be $125, that's only ~4M people who will get $125. Are they expecting very few people to file claims? Or what am I missing?

From the FAQ:

> If there are more than $31 million claims for Alternative Reimbursement Compensation, all payments for Alternative Reimbursement Compensation will be lowered and distributed on a proportional basis.

No one is going to get $125, we’ll maybe get $5–without doing the math.

Re: Submit Your Claim in the Equifax Breach Settlement

#80

Post by mNovak » Thu, Jul 25, 2019, 7:24 PM UTC

Some tips:

Note that many free credit monitoring services exist, and most credit cards nowadays have this feature available. These qualify you for the $125 payout.

Up to 10 hours effort ($250) can be claimed without documentation, for time spent battling or preventing ID theft. Preventing is probably key here, and could cover a lot of activities.