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As far as anyone can tell, the data from the breach hasn't been used yet. When that happens, it'll probably be the largest identify theft fraud ever, and if it's traced to Equifax, we may see an "adjustment".

I'm still betting (small) on that happening.

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Not a chance. There have been too many other breaches, I don't see how there would be any way to tie a particular instance of potential identity theft back to a particular breach. And besides, how many more breaches will the be in the next 6 months? 12 months? Take a look at this: https://www.identityforce.com/blog/2017-data-breaches. That was last year...you think 2018 will be any better?

There is no way to trace identity fraud directly to Equifax, especially since there are so many data breaches that this becomes just another one.

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