Is the Equifax credit score errors settlement legit?

Yes, it is a court-supervised class action settlement. We have not yet confirmed the official claim site, so be careful: never pay anyone to file, and never give out banking logins. We last checked on Oct 16, 2026.

When is the Equifax credit score errors claim deadline?

Dec 28, 2026. Claims filed after the deadline are rejected, so file on the official site before that date.

Estimated $95 to $280. The total fund is $100M, and in most settlements the final amount depends on how many valid claims come in. Every figure OwedList shows is an estimate, never a promise.

When do payments go out?

After the claim deadline passes, the court holds a final approval hearing. Payments usually go out one to six months after final approval, unless an appeal delays them.

Does it cost anything to file?

No. Filing a claim on the official settlement site is always free. OwedList never files claims for you and never asks for your Social Security number or bank login — we point you to the official site and you file there.

Is a class action settlement payment taxable?

It depends on what the payment compensates. Payments that reimburse a loss are generally not taxed; interest and some other payments can be. See our guide on settlement taxes, and ask a tax professional about your case.

Equifax credit score errors Settlement: Who Qualifies, How Much, Deadline (December 2026)

Open — deadline Dec 28, 2026Open

Who qualifies: Applied for credit in March or April 2022, when a coding error sent lenders wrong Equifax scores.
Estimated payout: Estimated $95 to $280
Claim deadline: Dec 28, 2026 · 59 days left
Settlement fund: $100M
Class period: Credit applications in March and April 2022
Verified: Oct 16, 2026 · confirmed on the official site

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The Equifax credit score errors settlement is a $100M class action settlement for people who applied for credit in March or April 2022, when a coding error sent lenders wrong Equifax scores. Estimated $95 to $280, and the claim deadline is Dec 28, 2026. Filing is free on the official claim site.

Who qualifies

Applied for credit in March or April 2022, when a coding error sent lenders wrong Equifax scores.

How much you could get

Estimated $95 to $280. The total fund is $100M; what each person gets moves with the number of valid claims, so earlier published estimates can rise or fall. Every number OwedList shows is an estimate, never a promise.

How to file

We have not yet confirmed this settlement's official claim site. We add the link the moment it is verified — check back or take the quiz to get it by email.
Confirm you match the class definition above before you start.
Fill in the claim form and pick how you want to be paid.
Submit before Dec 28, 2026. Late claims are rejected.

Filing is free. OwedList never files a claim for you, and no legitimate settlement asks you to pay a fee or hand over a bank login to get paid.

Key dates

Claim deadline: Dec 28, 2026
Final approval hearing: after the claim deadline; payments follow approval.
Last verified by OwedList: Oct 16, 2026

Common questions

Is the Equifax credit score errors settlement legit?: Yes, it is a court-supervised class action settlement. We have not yet confirmed the official claim site, so be careful: never pay anyone to file, and never give out banking logins. We last checked on Oct 16, 2026.
When is the Equifax credit score errors claim deadline?: Dec 28, 2026. Claims filed after the deadline are rejected, so file on the official site before that date.
How much will I get?: Estimated $95 to $280. The total fund is $100M, and in most settlements the final amount depends on how many valid claims come in. Every figure OwedList shows is an estimate, never a promise.
When do payments go out?: After the claim deadline passes, the court holds a final approval hearing. Payments usually go out one to six months after final approval, unless an appeal delays them.
Does it cost anything to file?: No. Filing a claim on the official settlement site is always free. OwedList never files claims for you and never asks for your Social Security number or bank login — we point you to the official site and you file there.
Is a class action settlement payment taxable?: It depends on what the payment compensates. Payments that reimburse a loss are generally not taxed; interest and some other payments can be. See our guide on settlement taxes, and ask a tax professional about your case.

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Written and verified by OwedList. Last verified Oct 16, 2026 against the official settlement site. OwedList is an independent information service, not a law firm and not a settlement administrator; nothing here is legal advice. Read our editorial policy.

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