143 Million consumer credit report records were compromised (the U.S. only has a population of 326 Million) by Equifax. Yours were probably one of them. So was mine. What are you going to do?


DON’T go to the Equifax website to sign up for their offer of free credit monitoring: It’s a trick to get you to waive your rights to sue Equifax!


Here’s the text of the Arbitration Agreement that’s buried in the electronic terms of service that you would (if you went there) have to click to get their service:

“any claim, dispute, or controversy between You and Us relating in any way to Your relationship with Equifax, including but not limited to any Claim arising from or relating to this Agreement, the Products or this Site, or any information You receive from Us … The term ‘Claim’ shall have the broadest possible construction …”


Look, I sue the credit reporting agencies for a living because they either can’t or won’t get people’s credit reports right. If I file a case, that means that even a dispute letter didn’t work! Sometimes it literally takes a “federal case” to get their attention and to get your credit report fixed. No joke.


So, don’t let Equifax off the hook for anything it may have done or would or could do to your credit - ever. Check out and clean up your credit reports - For Free.


Be the person who knows that their credit report is correct - You owe it to yourself (and your family)!
Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.
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