Sorry, I misspoke a bit there. What I was trying to point out was that
> If you choose to enroll, that is when you waive your right to join any class action lawsuit.
Isn't true. Just by using the site to check, you're waiving your right to participate in a lawsuit, as expressed in the site's Terms of Use linked at the bottom:
http://www.equifax.com/terms/
> THIS PRODUCT AGREEMENT AND TERMS OF USE ("AGREEMENT") CONTAINS THE TERMS AND CONDITIONS UPON WHICH YOU MAY PURCHASE AND USE OUR PRODUCTS THROUGH THE WWW.EQUIFAX.COM, WWW.IDENTITYPROTECTION.COM AND WWW.IDPROTECTION.COM WEBSITES AND ALL OTHER WEBSITES OWNED AND OPERATED BY EQUIFAX AND ITS AFFILIATES ("SITE").
> No Class or Representative Arbitrations. The arbitration will be conducted as an individual arbitration. Neither You nor We consent or agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed with arbitration on a class or representative basis.
Further detail from an actual lawyer in this comment:
https://news.ycombinator.com/item?id=15203185
> If you choose to enroll, that is when you waive your right to join any class action lawsuit.
Isn't true. Just by using the site to check, you're waiving your right to participate in a lawsuit, as expressed in the site's Terms of Use linked at the bottom:
http://www.equifax.com/terms/
> THIS PRODUCT AGREEMENT AND TERMS OF USE ("AGREEMENT") CONTAINS THE TERMS AND CONDITIONS UPON WHICH YOU MAY PURCHASE AND USE OUR PRODUCTS THROUGH THE WWW.EQUIFAX.COM, WWW.IDENTITYPROTECTION.COM AND WWW.IDPROTECTION.COM WEBSITES AND ALL OTHER WEBSITES OWNED AND OPERATED BY EQUIFAX AND ITS AFFILIATES ("SITE").
> No Class or Representative Arbitrations. The arbitration will be conducted as an individual arbitration. Neither You nor We consent or agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed with arbitration on a class or representative basis.
Further detail from an actual lawyer in this comment:
https://news.ycombinator.com/item?id=15203185