[masraum]

Originally Posted by pwd72s

So, do you have to sign up with equifax to have been compromised? I'm a 'puter illiterate, so have trouble understanding what's going on. Cindy & I don't have a need to borrow, and our home has been paid for since the early 90's. We have used credit cards, but pay them off when the bill comes.

Originally Posted by ossiblue

Short answer is NO, you don't sign up. If you have established credit of any kind, it is reported to the three companies, typically. You don't have a choice.

What he ^ said.

If you have had a mortgage or car loan or credit card (used or not) or line of credit or anything in the last 30 years, then Equifax, Experian and Transunion has your info. Even if a company has run your credit and sent you a letter in the mail saying that you're pre-approved for a credit card, then your info is in there.