Ask Slashdot: What's a practical response to the Equifax breach?

AdamStarks writes: What steps can the average joe take to protect their identity? Accepting Equifax's help forfeits your right to sue; it's the same with applying for protection at TransUnion (not sure about Experian). Extra services at those companies also cost money, but that's putting even more of your data in their hands, and it's not clear whether the protection/help they provide is worth it (leaving aside not wanting to reward bad behavior).