The Equifax data breach settlement is still active in 2025, offering ongoing payments and identity restoration services to millions of Americans affected by the 2017 cyberattack. While the deadline to file a claim passed in early 2024, eligible individuals are still receiving compensation—and even if you missed the deadline, you might still qualify for free identity theft recovery through 2029.
Wondering if you’re eligible or what steps to take now? Let’s break it all down.
Overview
Here’s a quick look at where things stand with the settlement in 2025:
| Topic | Details |
|---|---|
| Breach Year | 2017 |
| Individuals Affected | Around 147 million |
| Settlement Amount | Over $425 million |
| Claim Deadline | January 22, 2024 |
| Current Status | Payments ongoing, identity services active until 2029 |
| Support Website | EquifaxBreachSettlement.com |
| Helpline | 1-833-759-2982 |
Breach
Back in 2017, Equifax—one of the three big credit reporting agencies—was hacked. The breach revealed sensitive info like names, Social Security numbers, dates of birth, driver’s license numbers, and even credit card details for some.
Basically, if you had a credit history at the time, your data might’ve been part of the breach. The incident led to massive public backlash, a federal investigation, and eventually a $425 million settlement designed to help affected consumers recover and protect themselves long-term.
Claims
The window to file a claim officially closed on January 22, 2024. That means no new claims are being accepted. However, if you filed on time, you may still receive:
- Cash reimbursement for out-of-pocket expenses (up to $20,000)
- Time compensation ($25/hour for up to 20 hours)
- Free credit monitoring for at least four years
- Identity restoration services through January 2029
Payouts are being distributed in waves, often through email via services like EpiqPay. Watch your inbox and check spam folders too.
Identity
Didn’t submit a claim? You’re not out of luck.
Everyone impacted by the breach is eligible for free identity restoration services until 2029, even if no claim was ever filed. This includes:
- A dedicated case manager
- Help placing credit freezes or fraud alerts
- Disputing fraudulent charges
- Filing police reports
- Reclaiming stolen funds
To access these services, head over to IdentityTheft.gov, select “Equifax Breach” as your issue, and follow the steps. It’s free, confidential, and could save you serious time and money.
Support
Need help checking your claim or receiving your payment?
- Visit: EquifaxBreachSettlement.com
- Call: 1-833-759-2982 (toll-free)
- Emails to Watch For:
- Equifax Breach Settlement Administrator
- EpiqPay (for digital payments)
Tip: If you receive an email offering a prepaid card, verify it before clicking. Use the settlement website to double-check that it’s legit.
Protection
Even if you weren’t part of the Equifax breach, it’s smart to protect your identity. Data leaks happen all the time, so these habits can help:
Check Your Credit Reports
Visit AnnualCreditReport.com for free reports from all three bureaus. Weekly reports are available through December 2026 due to increased risk.
Freeze Your Credit
This stops new accounts from being opened in your name. It’s free, easy to set up, and doesn’t impact your score.
Enable Fraud Alerts
These alerts tell creditors to verify your identity before approving new credit. They last for 12 months or longer for confirmed ID theft victims.
Set Up Account Alerts
Most banks and credit cards let you enable real-time alerts for every transaction. That way, you’re the first to know if something shady happens.
Use Strong Passwords and MFA
Keep your passwords unique, long, and complex. A password manager helps, and always turn on multi-factor authentication, especially for financial and email accounts.
Monitor Breaches
Use free tools like HaveIBeenPwned.com to find out if your email or passwords have been revealed.
Final Thoughts
The Equifax settlement is a reminder that even trusted institutions can drop the ball on data protection. While you can’t turn back the clock, you can stay informed, take advantage of available services, and be proactive about your digital safety.
Whether you filed a claim or not, there are still steps you can take right now to guard your identity and finances. Stay alert—and remember: your personal info is just as valuable as cash.
FAQs
Can I still file a claim in 2025?
No, the deadline was January 22, 2024.
When will I get my payment?
Payments are ongoing and sent in phases.
What if I didn’t file a claim?
You still qualify for identity recovery services until 2029.
Is the EpiqPay email legit?
Yes, but always verify it through the official site.
How do I protect my identity now?
Use credit freezes, alerts, strong passwords, and MFA.
