If you expect a $125 Equifax settlement check, you face another hurdle.

If you opted for a onetime cash settlement over 10 years of free credit monitoring, you must prove you have existing monitoring for at least 6 months.

The settlement is in response to the massive Equifax data breach in 2017 which endangered millions of Americans’ most sensitive information.

Equifax left social security numbers, names, dates of birth, addresses, credit card numbers and driver’s license numbers unprotected.

The credit reporting company was ordered to pay $425 million in restitution to those whose data was compromised.

Now the Federal Trade Commission says too many people have applied for the cash payment.

Applicants must verify they had credit monitoring at the time and for 6 months after filing a claim to be eligible to receive the cash settlement.

Even then, the amount may be “significantly reduced” depending on how many valid claims are submitted, Equifax told claimants by email.

If you do not have credit monitoring, you can amend your claim to accept 10 years of free credit monitoring, but you must act fast.

After October 15, any claim that has not been verified or amended will be denied.

Visit https://secure.equifaxbreachsettlement.com/en/amendclaim to make changes to your claim.