EQUIDATA® Credit Report Disclaimer and Service Agreement

File Disclosure

  1. 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

  2. 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.

  3. I am entitled to receive a disclosure from the CRA free of charge under the following circumstances:
    1. I have been denied credit, insurance or employment within the past sixty (60) days as a result of my credit report.
    2. 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.
    3. I am a recipient of public welfare assistance.
    4. I have reason to believe that my file at the agency contains inaccurate information due to fraud.

    4. Otherwise, the CRA may impose a reasonable charge for the disclosure.

  4. The FCRA permits me to dispute inaccurate or incomplete information in my credit file. I understand accurate and verifiable information cannot be changed.


  5. 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.

  6. 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.

  7. 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.

  8. 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.

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.