Equifax $100M Credit Score Settlement: Claim by Dec 28
Did Equifax report a wrong credit score about you in March 2022? The $100M settlement pays about $95 to $280 pro rata. Claims are due Dec 28, 2026.
A $100 million Equifax settlement covers people whose credit scores were affected by a 2022 coding issue, and claims are due December 28, 2026.
You qualify for the Equifax credit score error settlement if Equifax sent a credit score or credit attribute about you to a third party between March 17 and April 8, 2022, and a coding issue changed it. Equifax must also have flagged that transaction as a class transaction in its own analysis. The settlement website estimates $95 to $280 per valid, timely claim, paid pro rata, with no proof required.
Claims are due online or by postmark on December 28, 2026, at EquifaxFairCreditReportingSettlement.com. The class action is In re: Equifax Fair Credit Reporting Act Litigation, and Equifax Inc. agreed to pay $100 million to resolve it. Equifax denies wrongdoing, and the settlement is not an admission of liability.
Who Qualifies for the Equifax Credit Score Settlement?
You are in the Equifax settlement class if Equifax sent a third party a credit score or credit attribute about you that a coding issue changed, between March 17 and April 8, 2022. The class covers individuals in the United States. The transaction must also be one that Equifax identified as a class transaction in its analysis.
The settlement website estimates $95 to $280 per valid, timely claim, and claims are due December 28, 2026. No proof is required to file. Payments are pro rata, so the final amount may be higher or lower than the estimate depending on how many valid claims come in.
One outlet reported that roughly 4 million people could be covered. ClassAction.org and ClaimDepot both summarize the official settlement website, which returned an access error when LawfareClaims researched these terms.
Two other news outlets report the class window ending April 6, 2022 instead of April 8. If the dates conflict, rely on the notice you received and the dates posted at EquifaxFairCreditReportingSettlement.com.
Who Is in the Equifax Class Action Settlement
The Equifax class action settlement resolves In re: Equifax Fair Credit Reporting Act Litigation, No. 1:22-cv-03072, filed August 3, 2022, in federal court in Georgia. The sources do not name the specific court beyond Georgia. Class membership turns on where you live, when Equifax reported your score, whether the coding issue changed it, and whether Equifax flagged that report as a class transaction.
| Situation | In the Class? | Note |
|---|---|---|
| Equifax reported your credit score or credit attribute to a third party, such as a lender, between March 17 and April 8, 2022, and a coding issue changed it | Within the class definition | Equifax must have identified the transaction as a class transaction in its analysis |
| Equifax reported your score in that window, but it matched what it would have been without the coding issue | Outside the class definition | The class covers only scores and attributes that differed because of the coding issue |
| Equifax reported your score before March 17, 2022 or after the window closed | Outside the class definition | Two outlets give April 6, 2022 as the end date, so read the end date on your notice |
| You live outside the United States | Outside the class definition | The class covers individuals in the United States |
| You received a settlement notice and are unsure whether you qualify | The notice and the official website decide | The notice carries the claim ID and PIN used to file online |
Equifax's own analysis determines which transactions count as class transactions. Your settlement notice carries a claim identification (ID) number and a personal identification number (PIN) for filing online.
What the Equifax Credit Score Error Settlement Pays
The Equifax credit score error settlement creates a $100 million fund, and claimants split what remains after administration costs, attorneys' fees and attorneys' expenses. Each payment is a pro rata cash share. No proof is required.
| Item | What the Sources Say |
|---|---|
| Gross settlement fund | $100,000,000 paid by Equifax Inc. |
| Settlement administration costs | At least $1,500,000 |
| Attorneys' fees | Up to $33,333,333 |
| Attorneys' expenses | Up to $500,000 |
| Claimant payments | The remainder of the fund, split pro rata |
| Estimated payment per claim | $95 to $280 per valid, timely claim, per the settlement website |
| Proof required | None |
Higher administration costs would shrink the remainder paid to claimants, and lower fees would grow it.
The $95 to $280 range comes from the settlement website, as reported by ClassAction.org and ClaimDepot. The final amount depends on the number of valid claims, and no figure is guaranteed.
What to Gather and How to File
You can file an Equifax settlement claim online with the claim ID and PIN from your notice, or by mailing a printed claim form to the settlement administrator, Verita Global. Both paths share the same December 28, 2026 deadline.
- Find your settlement notice and locate the claim ID and PIN printed on it.
- Type EquifaxFairCreditReportingSettlement.com into your browser instead of tapping a link in a text or email.
- To file online, enter your claim ID and PIN and choose an electronic payment option.
- To file by mail, print the Portable Document Format (PDF) claim form from the settlement website, write your claim ID on it, and mail it to Verita Global.
- Submit the online form, or get your envelope postmarked, by December 28, 2026.
Online claims can receive electronic payment, while mailed claims receive a paper check. If you want the money by electronic payment, file online.
One outlet reported that it had not verified the claim portal and the notice when it wrote about the case. Start from the official website address above and the notice you received.
Scammers copy headlines about settlements. A real settlement administrator never asks for a fee to file a claim or to release your money. If a message asks for one, ignore it and go to the official website address yourself.
Key Dates
The claim deadline for the Equifax settlement is December 28, 2026, and the opt-out deadline comes a month earlier, on November 27, 2026.
| Date | Event |
|---|---|
| August 17, 2026 | Preliminary approval granted |
| November 27, 2026 | Opt-out deadline |
| December 28, 2026 | Claim deadline (online or postmarked) |
| January 22, 2027 | Final approval (fairness) hearing |
The objection deadline does not appear in the ClassAction.org or ClaimDepot summaries. The court can move the January 22, 2027 hearing, so check the current date on the official settlement website before you plan around it. For settlements with earlier cutoffs, see our list of October 2026 class action claim deadlines.
How This Differs from Other Equifax Cases
The Equifax credit score error settlement is a separate case from the 2017 Equifax data breach settlement. It covers credit scores and credit attributes that a coding issue changed in the spring of 2022.
It is also separate from the $2.2 million Equifax settlement over repeated reporting of the same collection account, which our guide to Equifax collection-account settlement eligibility covers. Credit report errors after bankruptcy are a different case again, explained in our page on the TransUnion, Equifax and Experian bankruptcy reporting settlement.
A claim in this case goes through EquifaxFairCreditReportingSettlement.com, using the claim ID from the notice for this case. You can browse other open cases in our class actions hub.
After You File
Equifax settlement payments begin only after the court grants final approval and any appeals are resolved, and no payout date has been announced. The final approval hearing is set for January 22, 2027. A class action settlement pays only people who file a valid claim by the deadline.
If you do nothing, you will not receive a payment. Unless you opt out by November 27, 2026, you generally give up the right to sue Equifax over these claims. Our guides on how to claim settlement money and how class action settlements work explain each stage from filing to payment.
Settlement money may be taxable depending on what it replaces. LawfareClaims cannot give tax advice; see our overview of whether legal settlements are taxable.
The settlement administrator and the court decide who qualifies, how much each claimant receives, and when payments go out. If Equifax reported a changed credit score about you between March 17 and April 8, 2022, file your Equifax credit score error settlement claim at EquifaxFairCreditReportingSettlement.com by December 28, 2026.
Frequently Asked Questions
How much will I get from the Equifax credit score settlement?
The settlement website estimates $95 to $280 per valid, timely claim. Payments are pro rata, so the real amount may be higher or lower depending on how many valid claims are filed. No amount is guaranteed.
How do I file an Equifax settlement claim?
You can file online at EquifaxFairCreditReportingSettlement.com using the claim ID and PIN printed on your settlement notice. You can also print the PDF claim form from the settlement website and mail it with your claim ID to the settlement administrator, Verita Global. Online claims can choose an electronic payment, and mailed claims receive a paper check.
What is the deadline to claim the Equifax settlement?
Claims must be submitted online or postmarked by December 28, 2026. The opt-out deadline is November 27, 2026. The final approval hearing is scheduled for January 22, 2027.
Do I need proof to claim?
No, the settlement does not require proof to claim a payment. You need the claim ID from your notice to file, plus the PIN if you file online.
Is this the same as the 2017 Equifax data breach settlement?
No, this settlement covers credit scores and credit attributes that a coding issue changed between March 17 and April 8, 2022. It is a separate case from the 2017 Equifax data breach settlement and from the $2.2 million Equifax settlement over repeated reporting of a collection account.
When will Equifax settlement payments be sent?
No payment date has been announced. Payments begin only after the court grants final approval and any appeals are resolved. The final approval hearing is scheduled for January 22, 2027.
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