File online at EquifaxFairCreditReportingSettlement.com or mail a paper form to Equifax FCRA Litigation in Los Angeles. Submit the online form or postmark the mailed form by Dec. 28, 2026, or you receive nothing.
The case is In re Equifax Fair Credit Reporting Act Litigation. The Fair Credit Reporting Act is the federal law governing accuracy of credit reports. Co-lead counsel calls the $100 million deal the largest FCRA settlement ever, covering about 4 million consumers.
Official resources:
- Read the original report from Creditandcollectionnews — Use this primary source to review the complete report.
- Read the official notice from Money — Use this primary source to verify the official announcement.
Table of Contents
- Do you qualify?
- How do you file?
- How much could you receive?
- When will payments arrive?
- Should you stay in, object, or opt out?
Do you qualify?
You qualify only if Equifax sent a credit score or credit attribute about you to a third party during a short 2022 window. Credit and Collection News reports the class covers U.S. consumers whose reported score or attribute differed because of the coding error between March 17 and April 8, 2022, in its settlement coverage.
That outside recipient matters. A score Equifax calculated but never furnished to a lender, landlord, insurer, or another third party does not meet the test. Check notices from the administrator, loan records, or denial letters from that period for signs your file was pulled.
How do you file?
The Settlement Administrator offers two accepted methods, described in the official settlement FAQ. Use only the official settlement website or the official mailed form. Do not pay a third-party service to file for you.
- File online at EquifaxFairCreditReportingSettlement.com with current contact and payment information.
- Or download and mail the paper Claim Form to Equifax FCRA Litigation, P.O. Box 301132, Los Angeles, CA 90030-1132.
- Submit online or postmark the envelope by Dec. 28, 2026. Money reports late claimants receive nothing from the fund, in its claim guide.
How much could you receive?
Valid claimants are expected to share the net fund equally. Estimates place individual payments at $95 to $280. The final amount depends on how many valid claims arrive, plus court-approved fees and costs.
Equal shares mean filing early does not raise your payment. A large number of claims lowers each check, while fewer claims leaves more per person. Keep copies of your confirmation page, claim number, or certified-mail receipt until payment issues.
When will payments arrive?
No payments can issue yet. The court granted only preliminary approval on Aug. 17, 2026, with a final fairness hearing set for Jan.
22, 2027. Judge Leigh Martin May is handling the case in the Northern District of Georgia. After final approval, appeals or claim review can still delay distribution. Do not count on the money for an immediate bill.
Should you stay in, object, or opt out?
Equifax denies wrongdoing and denies violating the FCRA. It settled to avoid trial risk and delay. By staying in and accepting payment, you give up further claims from the same error without proving individual harm.
Consumers who want to opt out or object must act by Nov. 27, 2026. Anyone who misses that date remains in the class and is bound by the settlement terms.