Get your FICO score and Credit Report Free!
11-25-03, 06:03 PM
#1
Guest
Posts: n/a
Get your FICO score and Credit Report Free!
FREE EQUIFAX CREDIT REPORT!
taken from fatwallet.com with my comments inserted..
http://www.yourcreditcounts.com/cred/yccc_quiz.jsp
quote:
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Taken from other board and too lazy to search if this is a repost. Anyway, here how it goes:
1. Go Here and fill out a 3 question survey, less than 5 seconds.
2. Put your information for entering a sweepstakes. {Does not have to be a legit sweeps entry if you dont want spam}
3. You will be redirected to an EquiFax web site after that and put in your information. {Secure SSL site}
4. Submit the request and make sure you OPT OUT on any other service.
5. Once done, just look at the top of the page and there should be a link "Score..." under Score Power.
6. Done and enjoy. Totally FREE Equifax Report ala Score Power (valued at 12.95)
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You can view the report for 30 days.
Magazines are cool but I strongly suggest you get this info and check it. I did, took me 5 minutes. If the younger people have questions, feel free to ask here.
taken from fatwallet.com with my comments inserted..
http://www.yourcreditcounts.com/cred/yccc_quiz.jsp
quote:
--------------------------------------------------------------------------------
Taken from other board and too lazy to search if this is a repost. Anyway, here how it goes:
1. Go Here and fill out a 3 question survey, less than 5 seconds.
2. Put your information for entering a sweepstakes. {Does not have to be a legit sweeps entry if you dont want spam}
3. You will be redirected to an EquiFax web site after that and put in your information. {Secure SSL site}
4. Submit the request and make sure you OPT OUT on any other service.
5. Once done, just look at the top of the page and there should be a link "Score..." under Score Power.
6. Done and enjoy. Totally FREE Equifax Report ala Score Power (valued at 12.95)
--------------------------------------------------------------------------------
You can view the report for 30 days.
Magazines are cool but I strongly suggest you get this info and check it. I did, took me 5 minutes. If the younger people have questions, feel free to ask here.
11-25-03, 07:28 PM
#2
Lexus Fanatic
Excellent find!
This is probably one of the best and most useful finds on the Net (doesn't compare to the occasional free Carfax checks) 
I've always been curious of what my CS (credit score) really is, even though I always get the word of mouth from the bank and mortgage lenders. If you especially own a home, this is a good chance to find out how your credit report is gauged 
Again, great find 1SICK
I've always been curious of what my CS (credit score) really is, even though I always get the word of mouth from the bank and mortgage lenders. If you especially own a home, this is a good chance to find out how your credit report is gauged Again, great find 1SICK
11-26-03, 04:01 PM
#5
Pole Position
Thanks 1Sick
Trending Topics
11-26-03, 09:58 PM
#8
Guest
Posts: n/a
no problem ya'll, more info
(more info, taken elsewhere)
Some basic info on how my company, as a very large mortgage lender looks at credit scores:
Basically we pull credit reports from all three credit agencies and use the MIDDLE score as the representative score for the file. If there are two people on the application, we will use the lowest middle score of the two.
As far as scores themselves:
Below 550 is poor credit
620 is about average
660 and above is very good credit
720 and higher is excellent
800 are very rare, 900 is the max.
Credit score represents your risk to the lender, meaning risk of foreclosure in our case. Mortgage lates and credit card lates within last 12 months is not looked upon favorably.
Negative items will remain on your credit for 7 years. If you have collection accounts that have been paid, make sure that credit bureau shows it's been paid because collection agency does not give a **** about reporting to the agency once you pay them.
Some basic info on how my company, as a very large mortgage lender looks at credit scores:
Basically we pull credit reports from all three credit agencies and use the MIDDLE score as the representative score for the file. If there are two people on the application, we will use the lowest middle score of the two.
As far as scores themselves:
Below 550 is poor credit
620 is about average
660 and above is very good credit
720 and higher is excellent
800 are very rare, 900 is the max.
Credit score represents your risk to the lender, meaning risk of foreclosure in our case. Mortgage lates and credit card lates within last 12 months is not looked upon favorably.
Negative items will remain on your credit for 7 years. If you have collection accounts that have been paid, make sure that credit bureau shows it's been paid because collection agency does not give a **** about reporting to the agency once you pay them.
11-27-03, 06:18 PM
#10
Lexus Test Driver
Did anyone read the "agreement" that they want you to agree to? I posted this somewhere else and another person replied saying that if you agreed to it, you've signed up for a service, one that will deduct payments from your credit card! Is this true?
Last edited by Cadd; 11-27-03 at 06:34 PM.
11-27-03, 06:36 PM
#11
Lexus Test Driver
Here's the "terms of use". I just skimmed through it.....I don't think I read anything that said that they'll charge you for this. Did I miss anything?
**************************************
PRODUCT AGREEMENT TERMS OF USE
YOU MUST SCROLL DOWN, READ AND ACCEPT THESE TERMS OF USE BEFORE YOU WILL BE PERMITTED TO REGISTER FOR AND PURCHASE ANY PRODUCT FROM THIS WEBSITE.
1. PROVIDERS OF PRODUCTS. The products or services (referred to as the "Product" or "Products") available via this website (the "Site") are provided by Equifax Consumer Services, Inc. ("Equifax"). We may partner with one or more other companies (“Suppliers”) to provide the Products to you or sell you a Product provided by a Supplier. Equifax and its Suppliers are referred to in this Agreement as "We", "Us", and "Our". You, the person visiting and utilizing this Site, are referred to as "You" and "Yours".
2. TERMS OF USE. As a condition to Our allowing You to use this Site, You agree to these Terms of Use, including any specific terms and conditions relating to particular Products that You purchase.
3. Consent. WE MUST RECEIVE YOUR CONSUMER CREDIT FILE AND OTHER INFORMATION IN ORDER TO PROVIDE PRODUCTS TO YOU. YOU AUTHORIZE US TO GAIN ACCESS TO YOUR CREDIT FILE AND TO EXCHANGE INFORMATION ABOUT YOU BETWEEN US IN ORDER TO AUTHENTICATE YOUR IDENTITY AND PROVIDE THE PRODUCTS TO YOU.
4. Privacy. OUR ONLINE PRIVACY POLICY AND FAIR INFORMATION PRINCIPLES PROVIDE OUR PRIVACY AND OPT OUT NOTICE, DESCRIBE HOW WE MAY USE THE INFORMATION THAT YOU PROVIDE TO US AND APPLY TO YOUR USE OF THE PRODUCTS. BECAUSE THE PRODUCTS ARE WEB-BASED PRODUCTS, YOU AGREE TO THE ELECTRONIC DELIVERY OF THESE NOTICES VIA THIS SITE. YOU ALSO AGREE THAT YOU HAVE RECEIVED AND READ THE EQUIFAX ONLINE PRIVACY POLICY AND FAIR INFORMATION PRINCIPLES.
5. YOUR RESPONSIBILITIES. By registering on this Site, You certify that You are eighteen (18) years of age or older. The Site and Products are not intended for minors. You agree to treat Your user identification ("User ID"), password and or personal identification number ("PIN") created for this site as strictly confidential and not to share them with other persons or display them so that others have access to them. We are not responsible if third parties access the Products by using Your User ID, password or PIN. You agree to promptly notify Us if You believe someone else has obtained access to Your User ID, password or PIN.
6. CHANGES WE MAY MAKE. We may change the prices for the Products at any time and You will be charged such new prices for all future purchases or renewals of Products. We may revise and update this Agreement at any time. It is Your responsibility to review this Agreement prior to each use of the Site and by continuing to use this Site, You agree to those changes. We also may change any feature or component of the Products or the Site at any time, or cancel this Agreement and/or any Product at any time, for any reason, and if we do so, we will give You a pro rata refund in respect of Products purchased but not provided. A gift certificate is provided when it is transmitted to the recipient.
7. PERSONAL USE ONLY. You may purchase Products from this Site (other than gift certificates) only on behalf of Yourself. It is illegal to order credit information about anyone else. When You buy the Products We grant You the right to use the Products and the related information only to assist You in monitoring, understanding and protecting Your financial and credit status, and making related decisions, for Your personal benefit. You agree that You will not use the Products or the related information for any other purpose, and especially not for a commercial purpose or in an unlawful manner. The Products are not intended to serve as professional advice of any kind.
8. PAYMENT. You agree to pay for the Products, in U.S. dollars, using a credit or debit card at the time of registration. We will charge You any applicable sales, excise or similar taxes as required by law.
9. SITE ACCESS AND USE. We may refuse to accept any Registration for any reason. You agree that We will not be liable to You for loss or damage that may result from Our refusal to register You on this Site. You will be responsible for providing and installing all hardware and software necessary to access this Site. You agree that You will not use any robot, spider or other similar device to monitor or copy any pages of this Site or any content or information accessible through this Site. You agree that You will not use any device, software or routine to interfere with proper operations of this Site.
10. NO GUARANTEE OF PRODUCT. Because of the nature of Internet and online communications, this Site or the Products may not perform as intended despite Our efforts, those of Your Internet service provider, and You. We do not guarantee uninterrupted or error free operation of this Site. It is possible that a third party could gain unauthorized access to the information that is transmitted including Your personal information. We will use reasonable efforts to maintain operation of the Site and availability of the Products at all times. If there is a system error, and You notify Us of the same, We will try to correct the error. You will not be entitled to any money for any system error of any type except for monies You paid for Products that We did not provide.
11. FIXED-TERM SUBSCRIPTION PRODUCTS. If You purchase a product that continues for a fixed period of time, other than month-to-month (a "Subscription Product"), the Product will be provided to You for an initial subscription period and the Subscription Product and this Agreement (in its then-current form) will be automatically renewed for additional periods upon expiration of the previous period. Thirty (30) calendar days prior to the expiration of the then-current term of the Subscription Product we will charge Your credit card for the then-current price of the Subscription Product and it will be renewed unless You cancel within the thirty (30) day period by notifying Us. You may notify Us by first logging in to the MyEquifax Member Center. Once logged in, click on the "Contact Us" button and you can contact the Equifax Customer Care team at the telephone number or email address listed on that page.
12. MONTH-TO-MONTH PRODUCTS. If You purchase a Product with a monthly price, We will automatically renew the Product (and bill Your credit or debit card) on the same day of each following month at Our then-current rates until You cancel. If You purchase on the 31st day of a month, the renewal date will be the 30th of each subsequent month. If Your renewal date is the 30th, renewal during February will occur on the 28th. You agree that You will provide valid credit or debit card billing information if the credit or debit card that You provided at the time of registration expires or otherwise becomes invalid, and We may suspend Your access to the Product if You fail to do so. You may cancel the Product by notifying Us. You may notify Us by first logging in to the MyEquifax Member Center. Once logged in, click on the "Contact Us" button and you can contact the Equifax Customer Care team at the telephone number or email address listed on that page. Any such notice of termination will be effective as of the first renewal date following Our receipt. If You prepay for a certain number of months, this paragraph becomes effective upon the expiration of the prepaid period.
13. Ownership. THIS SITE CONTAINS COPYRIGHTED MATERIAL AND ANY INFORMATION THAT YOU RETRIEVE IS COPYRIGHTED BY ITS OWNER. YOU MAY NOT REMOVE, ALTER OR COVER ANY COPYRIGHT OR OTHER PROPRIETARY NOTICES PLACED ON THIS SITE OR ON PRODUCTS AND RELATED MATERIALS ACQUIRED THROUGH THIS SITE. WE, COLLECTIVELY OR INDIVIDUALLY, RETAIN OWNERSHIP OF ALL INTELLECTUAL PROPERTY RIGHTS IN THIS SITE, INCLUDING WITHOUT LIMITATION ANY INFORMATION, MATERIALS, TEXT, GRAPHICS, IMAGES, LOGOS, SITE DESIGN, AND THE SELECTION, ASSEMBLY, AND ARRANGEMENT OF THE SITE ("CONTENT"). THE CONTENT MAY NOT BE COPIED, DISTRIBUTED, DISPLAYED, MODIFIED, REPRODUCED, PERFORMED, PUBLISHED OR REVERSE ENGINEERED IN WHOLE OR IN PART WITHOUT OUR PRIOR WRITTEN PERMISSION.
14. LIMITED CANCELLATION POLICY. ALL SALES OF ONE-TIME PRODUCTS ARE FINAL. You will not be entitled to a refund because You do not agree with the information We provide to You in any Product. If You have a question or problem with any Product, please contact our Customer Care department by first logging in to the MyEquifax Member Center. Once logged in, click on the "Contact Us" button and you can contact the Equifax Customer Care team at the telephone number or email address listed on that page. You may cancel a Subscription or month-to-month Product by contacting Us the same way. You may be entitled to a refund for Products purchased but not provided.
15. QUESTIONS ABOUT YOUR CREDIT FILE OR SCORE. Equifax Information Services, LLC. ("EIS") is the credit reporting agency that maintains the credit file information used to provide the Products, except for any non-Equifax credit files that may be used in Products (such as the 3-in-1 Credit Report). Any questions or disputes regarding the accuracy of any information in Your Equifax Credit Report™ (also used in some other Products) must be directed to EIS. EIS IS REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT FILE UPON REQUEST, AT NO CHARGE OR FOR A NOMINAL FEE. IN ADDITION, IF YOU BELIEVE YOUR EQUIFAX CREDIT REPORT CONTAINS INACCURATE OR INCOMPLETE INFORMATION, YOU MAY REQUEST, AT NO CHARGE TO YOU, THAT EIS RESEARCH THE INFORMATION CONTAINED IN YOUR EQUIFAX CREDIT REPORT. You do not have to purchase a Product from Us in order to receive a copy of Your credit file from EIS or to dispute information contained in it. To dispute information in Your credit file, You may contact Us at the number on Your current Equifax Credit Report. To obtain more information about Your rights under the law, go to the Credit Education Page of this Site and click on "Summary of FCRA Rights."
16. No Warranty; Limitation of Liability. WE HAVE NO REASON TO BELIEVE THAT ERRORS EXIST IN THE PRODUCTS FURNISHED HEREUNDER. HOWEVER, MUCH OF THE DATA CONTAINED IN THE PRODUCTS IS PROVIDED TO US BY OTHERS AND THEREFORE WE DO NOT CONTROL THE ACCURACY OR COMPLETENESS OF THE INFORMATION CONTAINED IN THE PRODUCTS. IF WE SELL YOU A PRODUCT PROVIDED BY A SUPPLIER, THAT SUPPLIER IS SOLELY RESPONSIBLE FOR THE ACCURACY AND COMPLETENESS OF THAT PRODUCT. NEITHER WE, NOR ANY OF OUR DIRECTORS, OFFICERS, AGENTS, EMPLOYEES, SUPPLIERS, LICENSORS, AFFILIATED COMPANIES, OR AFFILIATED CREDIT BUREAUS ("AFFILIATED PERSONS") WARRANTS THE CORRECTNESS, COMPLETENESS, CURRENTNESS, OR ANY OTHER ASPECT OF ANY PRODUCT OR INFORMATION CONTAINED IN ANY PRODUCT IN ANY WAY. THE PRODUCTS ARE PROVIDED "AS IS", AND NO WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THOSE OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IS MADE. NEITHER WE NOR ANY OF OUR AFFILIATED PERSONS WILL BE LIABLE TO YOU FOR ANY LOSS OR INJURY ARISING OUT OF OR CAUSED, IN WHOLE OR IN PART, BY ANY NEGLIGENT ACTS OR OMISSIONS OF ANY SUCH PERSON IN PREPARING, REPORTING OR DELIVERING THE PRODUCTS, PROVIDING AUTHENTICATION SERVICES, OR IN DOING ANYTHING RELATED THERETO. NEITHER WE NOR THE AFFILIATED PERSONS WILL BE LIABLE FOR DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS OR OPPORTUNITIES, BUSINESS INTERRUPTION AND LOSS OF PROGRAMS OR DATA) IN CONNECTION WITH YOUR USE OF THIS SITE, ANY USE OR RELIANCE UPON INFORMATION FOUND AT THIS SITE OR ANY PRODUCT PROVIDED AT THIS SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT APPLICABLE LAW DISALLOWS ANY DISCLAIMERS OR LIMITATIONS IN THIS AGREEMENT, SUCH DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU.
17. LIMITATION OF LIABILITY; NOTICE OF CLAIMS. If, notwithstanding the foregoing paragraph, any Affiliated Person is held to be liable to You, the amount of such liability shall not exceed the lesser of (i) the sum of twenty dollars ($20.00) or (ii) the amounts paid by You under this Agreement, in the twelve months preceding the claim, for the specific Products giving rise to the claim. If You desire to make a claim against any Affiliated Person in relation to this Agreement or a Product, You must give the applicable party notice of the claim within three (3) months of becoming aware of the circumstances giving rise to the claim or, if earlier, three (3) months from the time You should reasonably have become aware of such circumstances. If You do not, no Affiliated Person will be liable to You for the claim.
18. INDEMNIFICATION. You will indemnify and hold Us and the Affiliated Persons harmless from and against actual loss, costs, liabilities and expenses (including reasonable attorneys' fees) resulting from Your breach of this Agreement, Your use of this Site or any Product or any information contained in this site, or Your infringement of any intellectual property or other right of any person or entity.
19. HYPERLINKS. This Site may contain hyperlinks or other references to third party Internet sites that Equifax does not own or operate. You may be subject to additional terms and conditions that apply when You use third party Internet sites. You agree that You are responsible for reviewing and understanding any terms and conditions governing any third party Internet site and/or products and Equifax has no responsibility therefor.
20. ENTIRE AGREEMENT BETWEEN US. These Terms of Use constitute the entire agreement between You and Us regarding the Products and information contained on or acquired through this Site, including through other linked third party Internet sites. This Agreement takes effect on Your first use of this Site, and it applies to all persons accessing the Site from Your computer, and to all persons using Your User ID, password or PIN. In the event that multiple translations of this Agreement exist, the English language version shall control. If any provision of this Agreement is held invalid, unenforceable or void by applicable laws, the remaining portions shall continue in full force and effect. You may not assign this Agreement or the Product (except a gift certificate) to someone else. Unless otherwise explicitly stated, the provisions contained in Paragraphs 7 (Personal Use Only), 13 (Ownership), 16 (No Warranty; Limitation of Liability), 17 (Limitation of Liability; Notice of Claims), 18 (Indemnification) and this paragraph will survive termination of Your access to and use of the Products and the information contained on this Site. The Suppliers are third party beneficiaries under this Agreement.
21. APPLICABLE LAW AND JURISDICTION. This Agreement shall be governed by the laws of the state of Georgia, USA, without regard to conflict of law rules. Any claims, disputes or other controversies relating to or arising from this Agreement or Your use of the Products or this Site or any information You receive from Us shall be brought only in a United States District Court located in Atlanta, Georgia, or in any court within the Georgia State Court System located in Fulton County, Georgia, and You hereby expressly consent to the exercise of jurisdiction over You by such courts. To the fullest extent permitted by applicable law, each party to this Agreement waives its, his or her right to a jury trial with respect to any action brought under or in connection with this Agreement.
22. HEADINGS. The headings used in this Agreement are for convenience only and such headings are not to be used in determining the meaning or interpretation of these terms and conditions of use. You acknowledge that the provisions, disclosures and disclaimers set forth in this Agreement are fair and reasonable and Your agreement to follow and be bound by them is not the result of fraud, duress or undue influence exercised upon You by any person or entity. You agree that this Agreement is not intended to and does not confer any rights on any persons other than Us and You.
23. SCORE POWER™ PRODUCT. Fair Isaac and Company, Inc. ("Fair Isaac") and Equifax jointly provide the Score Power™ Product. If You choose to purchase this Product You will obtain: 1) a copy of Your Equifax Credit Report™, 2) Your BEACON®/FICO® credit score, calculated from the information contained in Your Equifax Credit Report™, and 3) an explanation of how a creditor is likely to view Your score, the major reasons You scored as You did, and information about how You may improve Your score over time. Your scores may change over time based on a variety of factors and We do not guarantee that You can improve Your score even if You do what is suggested in the explanation.
24. CHOICEPOINT PRODUCTS.
• ChoicePoint Attract™ Insurance Scores. ChoicePoint and Equifax jointly provide the ChoicePoint Attract Insurance Scores products. If You choose to purchase this Product You will obtain: 1) a copy of Your Equifax Credit Report™, 2) Your ChoicePoint Attract Insurance Score, calculated from the information contained in Your Equifax Credit Report™, and 3) the major reasons You scored as You did, and information about how You may improve Your score over time. Your Scores may change over time based on a variety of factors and We do not guarantee that You can improve Your score even if You do what is suggested in the explanation.
• C.L.U.E.® Personal Property Reports. ChoicePoint and Equifax jointly provide the ChoicePoint C.L.U.E. Personal Property claims history information from ChoicePoint's C.L.U.E. personal property claims database. These claims contain five (5) years' of information regarding claims that You have filed on properties that You have owned and insured and claims filed by other individuals on the property that You currently own. Claim information includes dollar amounts of losses by claim type, age of loss, insurance company, policyholder, claimant and risk address information. C.L.U.E. information is based on claims information that has been provided to ChoicePoint by participating insurance carriers. You may only order a C.L.U.E. Property Report involving property that You currently own. C.L.U.E. Property Reports are not available to prospective homebuyers with respect to properties currently being considered for purchase.
• C.L.U.E. Personal Auto Reports. ChoicePoint and Equifax jointly provide the ChoicePoint C.L.U.E. Personal Auto claims history information from ChoicePoint's C.L.U.E. personal automobile claims database. These claims contain five (5) years' of information regarding claims that You have filed on vehicles that You have owned and insured. Claim information includes dollar amounts of losses by claim type, age of loss, insurance company, policyholder, vehicle driver and vehicle identification information. C.L.U.E. information is based on claims information that has been provided to ChoicePoint by participating insurance carriers. C.L.U.E. Reports are generally used by participating insurance carriers for underwriting and rating purposes.
25. GIFT CERTIFICATES. Gift certificates purchased at the Site are Products and are subject to these Terms of Use, except where specifically excluded. In addition, gift certificates are subject to the additional terms and conditions of this paragraph. Each gift certificate (i) expires on the expiration date stated therein, except where prohibited by applicable law; (ii) must be redeemed through the Site for the purchase of the Product specified therein; and (iii) is not redeemable for cash and cannot be returned for a cash refund. If the recipient’s order exceeds the face amount of the gift certificate, the recipient must pay for the balance with a credit or debit card. The Product received upon redemption is subject to Equifax’s Terms of Use and Online Privacy Policy and Fair Information Principles, which the recipient must accept in order to redeem the gift certificate. A gift certificate issued to a current subscriber to a Subscription Product cannot be used to extend that subscription. We are not responsible for lost or stolen gift certificates.
**************************************
PRODUCT AGREEMENT TERMS OF USE
YOU MUST SCROLL DOWN, READ AND ACCEPT THESE TERMS OF USE BEFORE YOU WILL BE PERMITTED TO REGISTER FOR AND PURCHASE ANY PRODUCT FROM THIS WEBSITE.
1. PROVIDERS OF PRODUCTS. The products or services (referred to as the "Product" or "Products") available via this website (the "Site") are provided by Equifax Consumer Services, Inc. ("Equifax"). We may partner with one or more other companies (“Suppliers”) to provide the Products to you or sell you a Product provided by a Supplier. Equifax and its Suppliers are referred to in this Agreement as "We", "Us", and "Our". You, the person visiting and utilizing this Site, are referred to as "You" and "Yours".
2. TERMS OF USE. As a condition to Our allowing You to use this Site, You agree to these Terms of Use, including any specific terms and conditions relating to particular Products that You purchase.
3. Consent. WE MUST RECEIVE YOUR CONSUMER CREDIT FILE AND OTHER INFORMATION IN ORDER TO PROVIDE PRODUCTS TO YOU. YOU AUTHORIZE US TO GAIN ACCESS TO YOUR CREDIT FILE AND TO EXCHANGE INFORMATION ABOUT YOU BETWEEN US IN ORDER TO AUTHENTICATE YOUR IDENTITY AND PROVIDE THE PRODUCTS TO YOU.
4. Privacy. OUR ONLINE PRIVACY POLICY AND FAIR INFORMATION PRINCIPLES PROVIDE OUR PRIVACY AND OPT OUT NOTICE, DESCRIBE HOW WE MAY USE THE INFORMATION THAT YOU PROVIDE TO US AND APPLY TO YOUR USE OF THE PRODUCTS. BECAUSE THE PRODUCTS ARE WEB-BASED PRODUCTS, YOU AGREE TO THE ELECTRONIC DELIVERY OF THESE NOTICES VIA THIS SITE. YOU ALSO AGREE THAT YOU HAVE RECEIVED AND READ THE EQUIFAX ONLINE PRIVACY POLICY AND FAIR INFORMATION PRINCIPLES.
5. YOUR RESPONSIBILITIES. By registering on this Site, You certify that You are eighteen (18) years of age or older. The Site and Products are not intended for minors. You agree to treat Your user identification ("User ID"), password and or personal identification number ("PIN") created for this site as strictly confidential and not to share them with other persons or display them so that others have access to them. We are not responsible if third parties access the Products by using Your User ID, password or PIN. You agree to promptly notify Us if You believe someone else has obtained access to Your User ID, password or PIN.
6. CHANGES WE MAY MAKE. We may change the prices for the Products at any time and You will be charged such new prices for all future purchases or renewals of Products. We may revise and update this Agreement at any time. It is Your responsibility to review this Agreement prior to each use of the Site and by continuing to use this Site, You agree to those changes. We also may change any feature or component of the Products or the Site at any time, or cancel this Agreement and/or any Product at any time, for any reason, and if we do so, we will give You a pro rata refund in respect of Products purchased but not provided. A gift certificate is provided when it is transmitted to the recipient.
7. PERSONAL USE ONLY. You may purchase Products from this Site (other than gift certificates) only on behalf of Yourself. It is illegal to order credit information about anyone else. When You buy the Products We grant You the right to use the Products and the related information only to assist You in monitoring, understanding and protecting Your financial and credit status, and making related decisions, for Your personal benefit. You agree that You will not use the Products or the related information for any other purpose, and especially not for a commercial purpose or in an unlawful manner. The Products are not intended to serve as professional advice of any kind.
8. PAYMENT. You agree to pay for the Products, in U.S. dollars, using a credit or debit card at the time of registration. We will charge You any applicable sales, excise or similar taxes as required by law.
9. SITE ACCESS AND USE. We may refuse to accept any Registration for any reason. You agree that We will not be liable to You for loss or damage that may result from Our refusal to register You on this Site. You will be responsible for providing and installing all hardware and software necessary to access this Site. You agree that You will not use any robot, spider or other similar device to monitor or copy any pages of this Site or any content or information accessible through this Site. You agree that You will not use any device, software or routine to interfere with proper operations of this Site.
10. NO GUARANTEE OF PRODUCT. Because of the nature of Internet and online communications, this Site or the Products may not perform as intended despite Our efforts, those of Your Internet service provider, and You. We do not guarantee uninterrupted or error free operation of this Site. It is possible that a third party could gain unauthorized access to the information that is transmitted including Your personal information. We will use reasonable efforts to maintain operation of the Site and availability of the Products at all times. If there is a system error, and You notify Us of the same, We will try to correct the error. You will not be entitled to any money for any system error of any type except for monies You paid for Products that We did not provide.
11. FIXED-TERM SUBSCRIPTION PRODUCTS. If You purchase a product that continues for a fixed period of time, other than month-to-month (a "Subscription Product"), the Product will be provided to You for an initial subscription period and the Subscription Product and this Agreement (in its then-current form) will be automatically renewed for additional periods upon expiration of the previous period. Thirty (30) calendar days prior to the expiration of the then-current term of the Subscription Product we will charge Your credit card for the then-current price of the Subscription Product and it will be renewed unless You cancel within the thirty (30) day period by notifying Us. You may notify Us by first logging in to the MyEquifax Member Center. Once logged in, click on the "Contact Us" button and you can contact the Equifax Customer Care team at the telephone number or email address listed on that page.
12. MONTH-TO-MONTH PRODUCTS. If You purchase a Product with a monthly price, We will automatically renew the Product (and bill Your credit or debit card) on the same day of each following month at Our then-current rates until You cancel. If You purchase on the 31st day of a month, the renewal date will be the 30th of each subsequent month. If Your renewal date is the 30th, renewal during February will occur on the 28th. You agree that You will provide valid credit or debit card billing information if the credit or debit card that You provided at the time of registration expires or otherwise becomes invalid, and We may suspend Your access to the Product if You fail to do so. You may cancel the Product by notifying Us. You may notify Us by first logging in to the MyEquifax Member Center. Once logged in, click on the "Contact Us" button and you can contact the Equifax Customer Care team at the telephone number or email address listed on that page. Any such notice of termination will be effective as of the first renewal date following Our receipt. If You prepay for a certain number of months, this paragraph becomes effective upon the expiration of the prepaid period.
13. Ownership. THIS SITE CONTAINS COPYRIGHTED MATERIAL AND ANY INFORMATION THAT YOU RETRIEVE IS COPYRIGHTED BY ITS OWNER. YOU MAY NOT REMOVE, ALTER OR COVER ANY COPYRIGHT OR OTHER PROPRIETARY NOTICES PLACED ON THIS SITE OR ON PRODUCTS AND RELATED MATERIALS ACQUIRED THROUGH THIS SITE. WE, COLLECTIVELY OR INDIVIDUALLY, RETAIN OWNERSHIP OF ALL INTELLECTUAL PROPERTY RIGHTS IN THIS SITE, INCLUDING WITHOUT LIMITATION ANY INFORMATION, MATERIALS, TEXT, GRAPHICS, IMAGES, LOGOS, SITE DESIGN, AND THE SELECTION, ASSEMBLY, AND ARRANGEMENT OF THE SITE ("CONTENT"). THE CONTENT MAY NOT BE COPIED, DISTRIBUTED, DISPLAYED, MODIFIED, REPRODUCED, PERFORMED, PUBLISHED OR REVERSE ENGINEERED IN WHOLE OR IN PART WITHOUT OUR PRIOR WRITTEN PERMISSION.
14. LIMITED CANCELLATION POLICY. ALL SALES OF ONE-TIME PRODUCTS ARE FINAL. You will not be entitled to a refund because You do not agree with the information We provide to You in any Product. If You have a question or problem with any Product, please contact our Customer Care department by first logging in to the MyEquifax Member Center. Once logged in, click on the "Contact Us" button and you can contact the Equifax Customer Care team at the telephone number or email address listed on that page. You may cancel a Subscription or month-to-month Product by contacting Us the same way. You may be entitled to a refund for Products purchased but not provided.
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11-27-03, 11:07 PM
#13
Pole Position
I thought you only get charged if you keep running a credit check. Since this was a comp. order we didn't have to pay. On future visits, you may have to supply a credit card info. Anyone agree?
Ed
Ed
12-05-03, 03:55 PM
#15
Keeper of the light
iTrader: (17)
at no point in time does this ask for a credit card. how do you expect to be charged?
the first time i did it, it asked for a promotion code, then i just clicked submit, or whatever, and it went through anyway. none of those agreeements mean anything if you are not paying. this is a freebie, and i like it
Thanks mike.
the first time i did it, it asked for a promotion code, then i just clicked submit, or whatever, and it went through anyway. none of those agreeements mean anything if you are not paying. this is a freebie, and i like it
Thanks mike.