The Elephant in the room
"Now, to the remedy. The company is offering one free year of credit monitoring to all Americans, not just the ones whose data was stolen. It includes the ability to turn your Equifax credit report on and off, to keep thieves from applying for credit in your name using information they stole from Equifax and to have access to your Equifax report to do so."
"That’s all well and good, except that the thieves might use the stolen information to apply for credit with lenders that check the credit reports only at the other big agencies, Experian and TransUnion. So this protection is incomplete."