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Warnings are being issued to millions of consumers who may not receive their data breach settlement money because too many people are filing multiple claims.

A federal judge signed off on a record $700 million settlement related to the 2017 Equifax data breach that affected the credit data of 147 million Americans.

Equifax set up a website to make it easier for victims to claim their part of the settlement.

Victims can claim reimbursement of the data breach affected their credit rating or identity theft occurred. Victims can claim up to $20,000.

A spokesman for the New York attorney general’s office said victims don't have to prove an incident of identity theft was tied to the Equifax data breach. They only have to prove an incident occurred.

Those who are eligible can get up to $500 as reimbursement for the time spent "taking preventative measures or dealing with identity theft," such as purchasing credit protection, according to court papers obtained by

The problem is Equifax has received an overwhelming number of claims - far more claims than actual victims.

As a result of the excessive claims, true victims might not receive all of the compensation they are owed.

Claim your settlement money at

Photo by Igor Golovniov/SOPA Images/LightRocket via Getty Images

  • SingleGalCrazyWorld

    Lawd I knew this was gonna happen...I had a real issue with them not taking off a fraudulent charge(s) from like 4 years ago that was removed by the other two major agencies when I provided proof...they are the worst credit agency...

  • Jussjess25

    Thank sandy!! I almost forgot about this. I was most definitely effected by this. “Running to claim my funds now”

  • iWasteTime

    That's the purpose of the third party website.
    Those who should receive will receive. Only thing this does is make the processing time longer. You should see what our vendor catches ... lol Folk will TRY IT!

  • Bree

    It is a shame that people will spoil it for others. This type of stuff makes me sick. Sometimes I wish these companies would just mail out checks, but I know they can't.

  • IyanlaVanzantoftheInterWebs

    I hope folks were not waiting to pay a bill with that settlement money!

    I filed my claim and look at it as SURPRISE money IF it ever comes

  • jeniefrumdabloc™
  • free

    just run them last 4 or 6 digits of the SSN against who you process payments for. it ain't that damn hard.

  • free

    my husband done already earmarked his lil check lol

  • Raquel


    I did mine and I guess I'm getting the $125, but I'm opting for the 10 years free credit reporting, is it?

  • KneeSee

    They should've sent claims forms to the ppl who they have proof were breached in the first place.

  • free

    i dunno. i got that from the feds when they fugged me up. our data, unfortunately, is everywhere in cyberspace.

  • Kanyade

    Seems that would've been easier. I agree.

  • chan chan

    Oh well stop stealing and selling our information.

  • EBuzzB

    I'm not understanding how this is possible when you are required to provide your social security number and they have you check to see if you were impacted by the breach. I was however, my sisters wasn't. I don't care one way or the other, the damage has been done and been taking me a while to correct it. I rather get my information corrected on my credit report then get some damn check.

  • Queen B

    Most of these mf'ers didn't even know they ssn/credit was breached until they read this post lol ? I filled out a link last night to collect my $125 and kept it moving. I know and my Lord knows I haven't contributed 20k towards protecting my credit after this breach happened so imma keep i moving

  • goat

    Just give me what you owe me. $125 + 10hrs to reset passwords and security questions to financial accounts.

  • WhoKnew

    Anyone just can't make a claim. You have to show proof and everyone who is able to show proof is not automatically getting $20,000 stacks. I saw it on some investment news show last night. The amount a person can get depends on the egregiousness of the breach.

  • Let them eat cake

    i just finished my claim. you have to fill out part of your social in order to even be eligible so im not understanding the issue.

  • Beloved Jordan

    I'm signing up ret

  • KLove

    I filed my claim today....i went with the prepaid card option for the $125...i started to make additional claims for time/money spent, etc...but then I figured they would require some sort of proof and further delay the process....I see they dont tell you how soon you will receive the $$$...probably like 6-8 business months LOL

  • Mr.LeBrickJames

    I think the website said "at least 6 months from today". So we're looking at sometime in early 2020 I guess. I'm not gonna be thinking about it much moving forward, but it'll be a nice little surprise when it finally comes in the mail. I'll deposit it straight into my savings account and keep it moving.

  • Hazel

    Thanks Sandra! My credit is still 813, but I did spend time freezing my credit lol!

  • cpatterson_22


  • cpatterson_22

    I thought you didn't qualify for the 20K unless you actually used Equifax in the past.

  • free

    for them folk trying to claim extra, they just gonna push them to the back of the pile, then ask for supporting paperwork, and then say there is not enough supporting paperwork, and keep them in a neverending catch 22 of paperwork.

  • MsAmour22

    Be aware that if you opt out of this settlement class you retain your rights to sue Equifax in the future. Regardless of the free credit monitoring/ identity theft tools that they provide as part of the settlement, your identity can still be stolen in the future because of this 2017 breach & you will not be able to sue. Also if you do nothing you will lose your right to sue in the future as well. $125 is not enough for me to forfeit my rights.

    Washington Post Thorough Explanation Excerpt Link:

    An Equifax hack settlement promises a $125 payout. The truth is more complicated......

    First, if your information (most importantly, your social security number) was part of the hack, then you should assume it’s out there forever. Even if someone hasn’t stolen your identity yet, it could still happen.

    Given all that, the biggest loophole you should be aware of is that if you do nothing, you will automatically waive your right to take legal action against Equifax in the future.

    Learn if your data was stolen in the breach

    Check if your data was stolen by entering the last six digits of your social security number and your last name on the Equifax form, (or call 833-759-2982). If it was not stolen, you are not eligible and you can move on with your life without thinking about this settlement.

    Don’t settle, keep the option to pursue your own legal action
    Note: This is the only option in which you keep your right to sue Equifax in the future

    Deadline: Nov. 19, 2019

    It sounds counterintuitive, but if you were affected by the breach you are automatically included in this settlement. And it’s similar to some of the settlements you hear about in court — if you settle, you’re done. You cannot bring it up in court again. You cannot sue Equifax for harm caused by the breach, because you were already a member of the group that settled.

    If you don’t want to settle, and you want to keep the option to take legal action against Equifax as an individual, you must opt out of the settlement by mailing a written “request for exclusion,” postmarked by Nov. 19, 2019, to the settlement administrator. If you do not meet that deadline, you lose the right to sue Equifax for the breach.

  • Shaylove1975

    I didn't see a 125.00 option on there.

  • Yup, I said it

    Data breaches and identity theft will keep happening as long as American companies with sensitive info keep outsourcing. The medical debt collections companies outsource to India. They harass the insurance companies to pay the Drs and Hospitals. Those muthafuckas have all your HIPPA info including your social. Once those low wage workers have your info there is nothing stopping them from selling it for big money. Good luck getting a foreign governments to care that someone filed your income tax and got your refund fraudulently. You can only imagine the temptation when the options are work like a Hebrew and make $15 a day or steal info and sell it for $300 a page?

  • Ni Ni

    I just put my name in and have been compromised. I want all of my money!?

  • Alextra Ballard

    I’ve been a plaintiff in two different Class Action lawsuits without my knowledge....they were like 5 years apart....both checks were less than $7.00 was for $3.12 years later another check was $3.25 both went into the trash.

  • TonyOfficial

    Thank you Auntie!! I was personally affected by this breech!! I have all my documented proof too!! ?

  • Zeta Aggie

    No proof required for under 10 hours!

  • Carla B

    I wanna know when my credit score will go back to normal I was like 40 points away from 800 and after this it bottomed out to like 690 ????. I was contacted by a law firm about this but nothing else happened ????? screw your compensation I want my damn credit score back ?????

  • Listen2Me

    ?? You didn’t know?

  • Carla B

    How? Someone bought a house with my ssn and I had to do fraud claims and freeze my credit and after all that my score dropped to 690 ?

  • Gloria

    My info had been compromised so I'll be seeking compensation as well.

  • Chhzz

    No you only get up to 150.00 either as a debit card or check after the judge signs off in December.
    The calculator may not be updated so you should call directly to see if you qualify

  • Chhzz


  • Hazel

    No one attempted to use my credit before I froze it.

  • Carla B


  • Alextra Ballard

    The more claims Equifax receive the compensation becomes less...hell some folks may end up receiving a check around $3.00...been there done that??

  • Khaliah

    Which is 3-4 years in real time

  • WhoKnew

    Well I believe all credit gets reported to all 3 credit agencies with Equifax being one of them.

  • WhoKnew

    Well I believe all credit gets reported to all 3 credit agencies with Equifax being one of them.

  • Y’all Jealous Cuz I’m Prudy

    Nope, they made trillions so I'm not falling for that "our money is low crap". I want my entire 20k and my credit score back up to 740. Do that and I'll take it up to 800+. These MF sold us to the highest bidder, so they can cut the shit talking about a breach. Have any of you ever called one of the credit companies customer service lines? All foreigners answer the phones sounding like they're in a call center in India. They sold Americans out just like George Zuckerberg did with Facebook. They make trillions off of our identities and then tell us to spend more money on fixing our credit. They're all working together to scam the heck out of us and folks are really falling for it. Smdh. A bunch of crooks.

  • Y’all Jealous Cuz I’m Prudy

    Thank you for this information.


    I want my mf’n $125!????

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  • garrisonville

    Run me my money Equifax

  • Mo Laughz

    First this company and all credit reporting bureaus gets access to all of our information without our consent and they are not a government agency or under a government agency? You would think a company that handles search sensitive information would have the best security there is, but somehow they got hacked to the tune of 147 million consumers. And in return for quote on quote compromising our identities they want to offer $125? And to the people who had actual damage done to their credit because of their negligence they want to now tell us that there's no more money??? Wayment something's not adding up and I hope everyone else can see that too. 700 million minus at minimum 33% that goes to the attorneys equals 469 million, divide that by 147 million and that comes out to 3.2 million of you round up per consumer. So how are they running out of money cutting at maximum $20,000 checks?! They're probably funneling the money right back to themselves.

  • primadutch

    You only have to show proof if you
    spent 10+ hours correcting your problem.I said I spent about three hours with each credit bureau checking my credit and an hour cancelling all of my bank accounts.

  • primadutch

    That's what I did.. Run me my $375.

  • goat

    I just love to hear "Run me my $$$"

  • Kimberly

    exactly 700 million for 147 million consumers they should give a milli each

  • goat

    Did your score go down on Transunion and Experian too? Glad they didn't mess with my score.

  • SandraRose

    That works out to about $5 each.

  • Mz_Opinionated

    Who the hell is George Zuckerman girl? You mean Mark Zuckerberg?

  • Mz_Opinionated

    They do ask if you have a credit monitoring service in place for the next 6 months. Which I do...

  • onelove

    they are going to get $1.00

  • RespectSelf

    Your math is off.

  • NewNew

    Lol, or George Zimmerman.

  • ?Patty Kakes?

    The bottom line is they owe everyone something. That's the cost of doing business. If you want to have that much control over something that says what people in this country can and can't get, then you should be held responsible because in one way or the other it has affected everyone

  • Y’all Jealous Cuz I’m Prudy

    Lol, yes I was trying too fast..

  • Mo Laughz

    Yes it certainly is. What threw me off was the 4.76. I just knew that there was no way they expected everyone to be rightfully compensated with $5 a piece! And that's before the attorneys cut comes out.

  • Ni Ni

    Heard about the breach, just didn't check into it.

  • Carla B

    Yea but not as low as equifax.

  • Lorenzo Chaps

    File and get your $125 at least or the credit monitoring service. Equifax is the worst credit reporting agency. Most anyone I know of has their lowest score with Equifax.

  • Readytochokemothernature

    Run my 125