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Equifax has offered to monitor access to your information for 90 days. But I do not know whether they had my information. Before signing up you have to agree to the following; "Understand and agree that I am providing "written instructions" in accordance with the Fair Credit Reporting Act authorizing TrustedID, Inc., an Equifax company, to obtain my credit information from the personal credit reports maintained by one or more of the three nationwide credit reporting agencies and I hereby authorize TrustedID, Inc. to access my personal credit information in order to confirm my identity and display my credit data to me related to my use and enjoyment of the product." And they want all the information that they have already allowed to be compromised. Can anyone help? Do you think they can now be trusted?

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Good point, Jessie.
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I read that there was a big problem with the free credit monitoring they offer. Included with the agreement is an arbitration clause. The clause takes away your ability to sue if you were harmed by what happened. Actually since the breach was on their side, they should offer unconditional free credit monitoring to everyone that requests it.
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No, absolutely not. I posted on this issue elsewhere:

https://www.agingcare.com/discussions/dealing-with-the-equifax-hack-431580.htm

As noted, Equifax had had 2 hacks by the time the issue got widespread publicity. There was possible insider trading taking place a few days after the second hack. I haven't updated any research other than to see a mention of class action suits.

Whether Equifax will file for Ch. 11 remains an issue in my mind. I''m not sure it will survive and may also file for a straight Ch. 7 and liquidate. So any assurances it makes don't mean anything to me.

You're wise to read the TOS; many people don't, for Equifax or for other sites. After I read that TOS, I decided not to sign and authorize Equifax to do anything more than it's already done, including being irresponsible.

There were some other terms in that TOS which I don't recall other than that it made my hair begin to stand on end. I felt I would be authorizing it through binding TOS to access even more information that could be breached.

BTW, if you haven't yet, check out the FTC site on hacks and read the Fair Credit Reporting Act citations.
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