File Disclosure
- The Fair Credit Reporting Act (FCRA) allows me to obtain a disclosure from every Credit Reporting Agency (CRA) of the nature and substance of all information in my file at the time of the request. Full disclosure of information in your file at Equifax, Experian or TransUnion must be obtained directly from the CRA by calling:
Equifax: 1-800-685-1111
Experian: 1-800-397-3742
TransUnion: 1-800-916-8800
- You understand that the credit report is being provided
by Equidata and that Equidata is not a CRA, that Equidata
and its products are solely mechanisms of communication for
you to obtain the credit report and/or monitoring, and/or
score product, and assumes no responsibility or liability
for information contained thereof.
- I am entitled to receive a disclosure from the CRA free
of charge under the following circumstances:
- I have been denied credit, insurance or employment within the past sixty (60) days as a result of my credit report.
- I certify in writing that I am unemployed and intend to apply for employment in the 60-day period beginning on the date for which I made.
- I am a recipient of public welfare assistance.
- I have reason to believe that my file at the agency contains inaccurate information due to fraud.
- The FCRA permits me to dispute inaccurate or incomplete information in my credit file. I understand accurate and verifiable information cannot be changed.
- I do not have to purchase my credit report or other information from Equidata to
dispute inaccurate or incomplete information in my Equifax, Experian or TransUnion credit file.
- Consumers residing in the states of Colorado, Maine, Massachusetts, Maryland,
New Jersey and Vermont may receive an additional free copy of their credit file once per year and residents of the state of Georgia may receive two copies per year. For Illinois residents, CRAs are required by law to give you a copy of your credit report upon request at no charge or for a nominal fee.
- The FCRA also allows you to get one free disclosure of all the information in their credit file from each CRA – Equifax, Experian and TransUnion once every 12 months. To request your free annual credit report as per the FCRA, you must go to www.annualcreditreport.com.
The services on this web site are not related to the free FCRA
disclosure.
- The credit file you are purchasing from Equidata is not intended to constitute the disclosure of Equifax, Experian or TransUnion information as required by the FCRA or similar state laws.
Otherwise, the CRA may impose a reasonable charge for the disclosure.
Information Use
The information collected from the user will only be shared with
affiliate owned sites if the information requested came from that
site. The information collected from you will not be shared with other
parties, companies, or mailing lists. A user must provide contact
information (such as name, email, and mailing address) and financial
information (such as credit card holder, account number and expiration date).
This information is used for billing purposes and to fulfill your request
for your credit report. If you have trouble processing your order, contact
Equidata at 1-800-811-8575 and a customer service representative will assist you.
Security
This web site takes every precaution to protect our user's information. While
we use SSL encryption to protect sensitive information online and offline, only
employees who need the information to perform a specific task (our billing clerk
or customer service representative) are granted access to personal identifiable
information. Like most standard web site servers we use log files. This includes
internet protocol (IP) addresses, browser type, internet service provider (ISP),
referring/exit pages, platform type, date/stamp, and number of clicks to analyze
trends, administer the site, track user's movement in the aggregate, and gather
broad demographic information for aggregate use. IP addresses, etc. are not linked
to personal identifiable information and in no way will be used for that purpose.
Your credit card information is processed with a secure connection through our
Merchant Services provider. Accordingly, Equidata assumes no liability or
responsibility should confidential information belonging to the user be intercepted
fraudulently and subsequently used by an unintended recipient.
Legal Notice
Neither Equidata, its employees, agents, successors, and/or assigns, make any
warranties, express or implied, including the warranties of merchantability or
fitness for a particular purpose, or assume any legal liability or responsibility
for the accuracy and completeness, or usefulness of any information contained at
this web site or represent that use of this information would not infringe other
third party rights. Further, Equidata shall not be liable for any direct, indirect,
consequential, or inconsequential damages to the user, or a third party arising from
use of this web site. In providing this information, Equidata does not assume any liability
as a result of the use or misuse of the information. By your use of this information, you
recognize and agree to hold Equidata harmless from any liability as a result of your using
this information, materials, products or services listed on the web site. Equidata reserves
the right to change any information at this web site without prior notice.
Billing / Cancellation/ Refund Policy
By submitting the required elements on this web site, we are processing your
request for your credit report from one or all three of the national credit reporting
agencies (CRAs), Equifax, Experian and Trans Union, which allows you access to all
information in your credit file at the time of the request, and may include debts
relating to medical services. Due to the fact that we are charged from any and/or all
of the three national CRAs at the time of the request, we have a NO REFUND policy,
this includes ALL monthly and annual membership products. In the event you can not
authenticate the required items in order to immediately view your report online, you
will be provided contact information that in turn will help you obtain the requested
report(s). There are some rare instances where one or more of the three national CRAs
may not release your information to Equidata for various reasons. You will be required
to contact that CRA directly to resolve the issue. Equidata is not responsible for any
overdraft, over-the-limit charges or bank fees if your account contains insufficient funds
at the time your order is processed and billed. You have the right to terminate your
membership at any time.
Credit Monitoring
This is an ongoing service that is billed monthly or at a yearly rate. By accepting
this agreement you are authorizing Equidata to bill your credit card each month or
annually at the agreed upon rate at the time of purchase. If you do not want to receive
notifications of changes to your credit report that may suggest identity theft or other
situations, you must contact a customer service representative at 1-800-811-8575 and they
will assist you. Email and fax cancellations will not be accepted. If you decide to
discontinue and cancel the monitoring service and stop the billing, you will not be eligible
or a pro-rated refund of any portion of your current month's charge.
* Please note it could take up to two weeks for new members
to get enrolled in monitoring and start receiving monitoring
alerts.
