The one consolation: Equifax is avoiding one of the legal mistakes it made early on, when it implied that you gave up the right to sue by using the site that could tell you whether or not you were a victim. Lock & Alert tells you right away that you'll never be forced into arbitration, and that your ability to lock your credit report won't change. While Equifax does wave liability for glitches, you won't be without recourse if the lock itself doesn't work -- once the app behaves as promised.