Is it better to get $125 or free credit monitoring from Equifax?

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Is it better to get $125 or free credit monitoring from Equifax?
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Is it better to get $125 or free credit monitoring from Equifax? (via CNBCMakeIt)

A monitor displays Equifax Inc. signage on the floor of the New York Stock Exchange in New York, U.S., on Friday, Sept. 8, 2017.to pay nearly $700 million to settle federal and state investigations into how it handled a massive 2017 data breach that affected more than 50% of Americans.

"There should be no reason whatsoever not to file, especially the basic claim — the credit monitoring — or if you have credit monitoring, the claim for $125," says Jack Gillis, executive director of the Consumer Federation of America. The process is very easy and doesn't take a lot of time.

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