Not that it changes your point, but I'd put the percent impacted a lot lower than 90%. There's a large underclass of people who don't even have a bank account let alone a credit account of any type. A lot of poor people still basically live by cash and EBT-card.

I'd put it closer to 75% max.

Does it matter if you've applied for credit? They track everyone. The important thing to remember is that you are not and have never been a _customer_ of Equifax. You are their product. The banks, car dealerships, etc... that pay them for credit reports _about_ you are their customers.

You are their _product_. And, in my experience, they treat their product like shit when their product gets his identity stolen.

I'm not an Equifax customer and don't plan to become one by signing up for anything, so I haven't seen the terms, but I would fully expect to see some kind of indemnification in there.