it will ask you for your last name and last six digits of your social security number and it will tell you if you've been affected by this data breach. like you said earlier with the hundred 43 million people, chances are you probably have been affected. equifax will then offer you what they call a credit protection and a credit monitoring service. it's free if you sign up for a before november 4. you will have to give some information about yourself. they're asking for more private information like your social security number as well as your address and birth date which people get very nervous about, but our recommendation is give them that information. >> what do they do with the. >> it will do two things. it will freeze your credit account, it will actually lock it. it means anybody that is applying for credit and wants to use your information to apply for a loan or credit card for themselves, they