Equifax allows you to opt-out of this catch, though, by notifying the company in writing within 30 days of using the site with your your name, address, Equifax User ID, and a “clear statement that You do not wish to resolve disputes with Equifax through arbitration,” per the report.
There are other options at your disposal, too: New York Magazine recommends signing up with another credit rating firm -- TransUnion or Experian -- to monitor your credit report for any unusual activity or inquiries. You should also keep a close eye on your credit card statements for at least the next several months, which is a good habit to have all the time.
You can always freeze your credit via the three main credit reporting agencies, which will prevent people from accessing your credit report. The Federal Trade Commission also offers the ability to activate a fraud alert for 90 days at a time for another line of defense against malicious attackers seeking your personal information, according to a report by The Huffington Post.