How Much Is the Equifax Settlement Per Person?

The average per‑person Equifax settlement payout in the 2017 data‑breach settlement generally falls between $31 and $125, with most claimants receiving amounts near the middle of that range, according to Equifax's published data; higher amounts apply to specific claim types, which the next section explains, and the latest figures are available on the official Equifax settlement portal.

• Yes, you qualify for an Equifax settlement payout if your personal data was exposed in the 2017 breach and you filed a claim by the July 22, 2024 deadline.
• Eligibility generally requires U.S. residency, a credit file with Equifax, and no separate settlement covering the same breach.
• Payout amounts follow Equifax's tiered formula: primary victims typically receive $31‑$125, secondary victims $31‑$75.
• Minors, joint‑account holders, and estates remain eligible when the claim is submitted on their behalf and meets the deadline.
• Claims lacking a valid Social Security number or tax ID, or previously dismissed, are generally ineligible and will be denied.

Equifax determines your settlement payout by looking at fraud involvement and optional credit‑monitoring enrollment.

1. Determine fraud status - If Equifax verified a fraud report linked to your data, the base payout is a flat $125; if no fraud was tied to your information, the base payout is $25.
2. Add the monitoring credit - Signing up for the free credit‑monitoring service adds a $10 credit‑monitoring payment to the base amount.
3. Apply any state‑specific tax rules - Some states require withholding, but the core calculation (base amount + $10 if you enrolled) stays the same.

These steps produce the final Equifax settlement payout you'll receive. For the full settlement details, see the official Equifax settlement page.

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You estimate your Equifax settlement payout by matching your situation to the three claim classes the settlement defines:

Three typical Equifax settlement payout scenarios look like this:

• You enroll in free credit‑monitoring and have no verified credit loss → you receive $125 cash (the low‑end payment).
• You have a verified credit‑loss but do not enroll in monitoring → you receive $200 cash.
• You both have a verified credit‑loss and enroll in monitoring → you receive $250 cash (the top standard payment).

These amounts reflect the cash‑payment tiers established for the 2017 Equifax data‑breach settlement official settlement page.

To claim your Equifax settlement payout and avoid common mistakes, submit the online claim form before the deadline and double‑check every entry.

1. Use the official Equifax settlement portal - go to the official Equifax settlement portal and avoid third‑party sites that charge fees.
2. Enter personal data exactly as it appears on your credit report - name, Social Security number, and mailing address must match Equifax records; a typo can reject your claim.
3. Select the correct claim type - refer to the 'estimate your payout from common claim types' section; choosing 'general breach' instead of 'sensitive data' can lower the payout from the typical $31‑$125 range.
4. Upload any required documents - a copy of a government‑issued ID and a recent utility bill verify identity; missing files cause processing delays.
5. Review the summary before submitting - confirm the calculated payout matches the figures you saw in the '3 real payout scenarios' examples; any discrepancy should be corrected now.
6. Submit before the final deadline - the claim window closes on the date announced in the settlement notice; late submissions are automatically denied.
7. Save the confirmation number - you'll need it when you later track your claim status and upcoming deadlines.

Following these steps eliminates the most frequent pitfalls and positions you to receive your Equifax settlement payout promptly.

Check your claim on the Equifax settlement payout portal at official Equifax settlement portal. After filing, you'll receive a claim number by email; enter it on the site to see acceptance status, payment estimate, and any needed documents. You can also call the settlement call center at (800) 983‑3215 for live assistance.

All filing windows closed months ago: the final claim‑submission deadline was July 22, 2020, and the supplemental‑evidence deadline was August 31, 2020. Since then, the only timeline to watch is the payout schedule - first checks began in 2021 and the fund is being distributed through 2023. Stay logged in to watch the exact payment date for your claim, then move on to the next step on how you'll receive the money.

You'll receive your Equifax settlement payout after your claim is approved, and you must file by July 31 2024 to qualify for up to $425 in credit‑monitoring services (additional amounts may be awarded for proven losses).

How the payment is delivered

• Direct deposit to your bank account (fastest, usually within 4 weeks)
• Mailed paper check (arrives 5 - 6 weeks after approval)
• Pre‑paid debit card sent by courier (same timeframe as a check)

What to expect after filing

• Claim‑status email sent within 48 hours of submission
• Online portal updates every few days; log in at the Equifax settlement portal to track progress
• Once 'Approved' appears, the administrator initiates the chosen payment method
• Funds become available typically within 4‑6 weeks, depending on the method

Keep your contact information current in the portal and watch for any follow‑up requests; missing a request can delay the payout.

A denied Equifax settlement payout claim isn't final; you can request a review and potentially reverse the decision. Follow these concrete steps to appeal quickly and protect any possible payout.

1. Review the denial notice; note the specific reason and the appeal deadline, usually 30 days.
2. Confirm you satisfy the basic eligibility criteria for the 2017 data breach settlement (U.S. resident, affected by the breach, correct claim type).
3. Collect documents that counter the denial reason - credit reports, identity proof, loss evidence, or any missing information.
4. File an appeal through the official Equifax settlement portal before the deadline, attach the supporting documents, and write a concise explanation of why the denial should be overturned.
5. Save the confirmation number and track the appeal status using the portal's claim‑status tool referenced earlier.
6. If the appeal is also denied, contact the settlement administrator directly via phone or email to request clarification and possible escalation.
7. Consider consulting a consumer‑rights attorney or legal‑aid service; many provide free reviews for denied settlement claims.

Dispute an underpayment by contacting the Equifax settlement administrator within the 90‑day window after receiving your payout notice, referencing your claim number, and providing a clear breakdown of why the calculated Equifax settlement payout is low. Attach the original credit‑report audit, the payment calculation sheet, and any documentation showing higher loss exposure, such as identity‑theft reports or fraud‑related expenses.

After submitting, log into the claim portal to track status and respond to any requests for clarification; if the response is unsatisfactory, call the dispute hotline and request a manual review, citing the same evidence. For detailed guidance, see FTC guidance on settlement disputes, which outlines escalation steps you can use before the final payment deadline.

Minors, joint accounts, and estates each have their own filing requirements for the 2017 Equifax breach settlement, but every eligible claimant receives the same flat Equifax settlement payout of $125 (a limited‑eligibility subclass receives $31). A parent or legal guardian must submit the claim for a minor; the money is placed in a trust and released when the child turns 18.

For a joint account, each co‑owner who meets the eligibility criteria files a separate claim and receives an individual $125 payout. If the claimant is deceased, the estate's executor files on behalf of the estate and obtains the $125 payment, provided the claim is filed by the July 22 2022 deadline official Equifax settlement portal.

Example 1: A 16‑year‑old was listed in the breach. The mother filed the claim, the $125 was held in trust, and the child received the full amount on his 18th birthday.

Example 2: A married couple shared a credit‑card account; both were listed as victims. Each spouse filed independently and each received $125.

Example 3: A retired teacher died in 2020. The executor filed the claim for the estate before July 22 2022 and the estate was paid $125, which will be distributed according to the will.