Equifax Credit Score Error Settlement Payout: No Payment Date Yet
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File by December 28, 2026 · 70 days left · as of Oct 19, 2026
As of October 19, 2026, there is no payment date for the $100 million Equifax credit score error settlement. The court will not decide final approval until January 22, 2027, and the notice says payments can be made only after that. The estimate is $95 to $280 per valid claim. To be paid at all, you must file by December 28, 2026.
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Can I Still File?
The claim deadline, what the settlement pays and where to file — plus other settlements still taking claims.
File by Dec 28 · 70 days left
Payout Date
Fund: $100M
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The Short Answer: When Equifax Pays
This page covers only the payout. For the case itself, who is in the class and how to file, see our Equifax credit score error settlement page.
The honest Equifax settlement payout date is: not yet set. The official class notice states that “the Court must give final approval before the settlement can become effective and payments can be made.” That hearing is Friday, January 22, 2027, at 2:00pm in Atlanta. Nothing can be paid before then.
After final approval, the settlement still has to become “final and effective.” If anyone appeals, payments wait for the appeal. Only then does the administrator divide the money among valid claims. We could not read the settlement agreement’s exact payment schedule, so we give no month — anyone who does is guessing.
Case details
The case is In re Equifax Fair Credit Reporting Act Litigation, No. 1:22-cv-03072 (notice form: 1:22-cv-3072-LMM-CCB), in the U.S. District Court for the Northern District of Georgia, before Chief Judge Leigh Martin May. Judge May granted preliminary approval on August 17, 2026.
Equifax has already booked the money: its quarterly report for the period ending June 30, 2026 records an accrual of $100.0 million for this matter. Setting money aside is not the same as paying it out. The fund moves only if the settlement becomes final and effective.
The administrator is reachable at 1-888-808-1542 or info@EquifaxFairCreditReportingSettlement.com, and the official site is EquifaxFairCreditReportingSettlement.com. The notice asks people not to contact Equifax or the court.
Status: Claims Open, Not Yet Paying
1. November 27, 2026 — last day to opt out or object (postmark).
2. December 28, 2026 — last day to file a claim, online or postmarked.
3. January 22, 2027 — final approval hearing. The notice warns it “may be moved or held remotely without further notice.”
4. Finality — the approval must survive any appeal.
5. Payment to valid claimants, in equal shares.
When the court rules on final approval, we will update this page with the date.
Don't miss the claim deadline
Claims are due by December 28, 2026. We'll email you 7 days and 1 day before the deadline.
Who Gets a Payment
Only class members who file a valid claim get money. The notice is direct: “If you do nothing, you will not receive a payment, but you will still be bound by the settlement.” Being in the class is not enough.
Notices went out by email or mail. If you got one, keep it — it identifies you to the administrator. Paper claims go to Equifax FCRA Litigation, P.O. Box 301132, Los Angeles, CA 90030-1132, postmarked by December 28, 2026. The full class rules are on our main settlement page.
How Much Each Person Gets
Where the $100,000,000 goes: class counsel will ask for fees of up to one-third ($33,333,333) plus up to $500,000 in expenses. If the court grants both in full, about $66,166,667 is left before notice and administration costs.
Why the estimate is a range: the share depends on how many people claim. The plaintiffs’ lawyers put the class at roughly 4 million people. If every one of them claimed, the share would be about $16. The $95–$280 estimate assumes far fewer claims, which is “typical” per the notice. The fund is non-reversionary, so unclaimed money does not go back to Equifax.
How cases like this one end
Our copy of the federal courts’ own case database covers 112,484 federal civil cases of this typeclosed in U.S. federal district courts between 2015 and 2026, 10.6% of them filed as class actions:
- 46.9% ended in a settlement recorded by the court. Another 27.2% were dismissed voluntarily, which often follows a private settlement — so the real settlement share sits between 46.9% and 74.1%.
- 3.8% were decided on a motion before any trial.
- 1 in 760 reached a trial (0.1%), after a median of 21.2 months.
- Median time from filing to the end of the case: 4.8 months.
- Only 1,167 of them (1%) record a money award at all; the median of those is $10,000.
These are base rates for this type of case (federal consumer credit cases) — not a prediction about this lawsuit, and not legal advice. Source: Federal Judicial Center, Integrated Database (civil), analysed by Settlement Insight. Cases heard in state courts are not included.
Equifax Credit Score Error Settlement Payout Timeline
June 2026 — Settlement Reached
Equifax reports an agreement in principle and accrues $100.0 million. A joint notice of settlement is filed June 30, 2026, and the court stays the case July 1, 2026.
August 17, 2026 — Preliminary Approval
Judge Leigh Martin May preliminarily approves the $100 million settlement. Notices then go out by email and mail.
November 27, 2026 — Opt-Out and Objection Deadline
Last day to exclude yourself or object, by postmark. Opting out means no payment.
December 28, 2026 — Claim Deadline
Last day to file a claim online or by postmark. No claim means no payment.
January 22, 2027 — Final Approval Hearing
The court decides whether to grant final approval, at 2:00pm in Atlanta. The date can move without further notice.
After Finality — Payments
Equal shares go to valid claimants once the settlement is final and any appeal is resolved. No payment date has been published.
Three Things to Watch For
Several different Equifax settlements share one name in search results, and that confusion is what scammers use:
“Your Equifax payment is ready — confirm your bank details”
No payment can be ready before the January 22, 2027 hearing. An email or text claiming your money is waiting today is wrong, whoever sent it. Check only through the official site or 1-888-808-1542.
“Claim your $600 from Equifax” posts
The up-to-$600 payment was a separate $2.2 million Equifax settlement that closed September 1, 2026. Posts mixing it up with this case — or with the 2017 data breach — send people to the wrong form or to copycat sites.
Companies offering to opt you out or file for a fee
Filing a claim is free, and the notice says “No third-party or company can complete an opt-out for you.” Anyone charging to file or to opt you out is selling something you do not need.
Equifax Settlement Payout — Questions People Actually Ask
Short answers to the questions people ask most about this case.
What is the Equifax settlement payout date?
There is none yet, as of October 19, 2026. Payments can be made only after the court grants final approval at the January 22, 2027 hearing and the settlement becomes final and effective, including the end of any appeal. No month has been announced.
How much is the Equifax credit score error settlement payout per person?
The plaintiffs estimate $95 to $280 per valid claim, and the notice says the amount may be higher or lower. Every valid claimant gets the same share of the $100 million fund, after court-approved fees, expenses and administration costs. The fewer people who claim, the larger each share.
Is the Equifax settlement approved?
Only preliminarily. Judge Leigh Martin May granted preliminary approval on August 17, 2026. Final approval is decided at the hearing on January 22, 2027, and the notice says the court can move that date.
Can I track my settlement check?
Not yet, because no payments exist. For questions about your claim, use the official site or the administrator at 1-888-808-1542 or info@EquifaxFairCreditReportingSettlement.com. Keep the Claim ID from your notice.
What is the Equifax breach settlement number?
For this credit score error settlement, the administrator’s number is 1-888-808-1542. The 2017 data breach settlement is a different case with its own site, equifaxbreachsettlement.com. That number does not handle credit score error claims.
What is the amount of the Equifax data breach settlement?
This page does not cover that one. The 2017 data breach settlement is a separate case with its own payments, explained on our Equifax data breach settlement page. The credit score error settlement here is $100 million and concerns scores reported between March 17 and April 8, 2022.
Is there a class action lawsuit against Equifax in 2026?
Yes. This $100 million credit score error case settled in 2026. A separate $2.2 million settlement closed to claims September 1, 2026; see our Equifax fair credit reporting settlement page. Individual credit-reporting lawsuits against Equifax Information Services were still being filed in federal courts in October 2026. Those are personal cases and do not pay class members.
Do I get paid if I do nothing?
No. You must file a claim by December 28, 2026. If you do nothing, you get no payment but are still bound by the settlement if it becomes final.
About This Information
Editorially Reviewed — Content reviewed for accuracy using published legal research, government data, and verified court records. See our methodology. Reviewed by Leonard Goldberg, Editor · Last updated - $236 billion in real payouts analyzed · See what we found
This page is for general information only and is not legal advice. Lawsuit status, eligibility, and compensation can change. Settlement Insight is not a law firm and does not represent any party. Consult a licensed attorney about your specific situation.
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