Equifax Data Breach
I'm curious to know whether any Roadfooders have checked to see whether their data was compromised by the Equifax data breach, and what steps you're taking to minimize the impact.
Fraud alerts? Credit freezes? I'd love to know your experiences with the four (yes, there are four) credit bureaus. (The fees vary depending on which state you live in and, in some cases, your age.)
I've read many reader comments to news stories about this, and some people have described pretty frustrating experiences. But I'm always interested in Roadfooders' experiences, because I consider us more reliable as a group than anonymous commenters.
Apparently if you contact Equifax to find out if your data was compromised, they demand more information from you and sign you up for a year of free credit monitoring, which apparently renews itself (for which you must pay) if you don't cancel it. You also have to waive your right to participate in any class action law suits. As a lawyer, I can't believe that would be upheld in court. I heard this morning that the Massachusetts Attorney General is already suing Equifax under the state's data breach law, and I expect other states that have such laws will follow.
I confess I'm somewhat freaked out about this, but don't want to make the situation worse by doing nothing.