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There is at long last a silver lining for the 144 million of us who had our personal data leaked in the gigantic 2017 Equifax data breach: cash money.

Under the terms of its settlement with the Federal Trade Commission, Equifax established a fund of at least $300 million to compensate individuals who had their data compromised.

You, the individual, get to choose which claim to file: up to 10 free years of credit monitoring service, or a $125 check.