February 2011 Newsletter

In This Issue:
Featured Article
From the Blog
Tip of the Month
Monthly Poll
Interactive Tool
Featured Product

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Equifax is pleased to provide this newsletter for your convenience; however, it is provided with the understanding that Equifax is not engaged in rendering legal, accounting, financial, security, or other professional advice. The information contained in this newsletter is believed to be reliable at the time it was written, but it cannot be guaranteed insofar as it is applied to any particular individual or situation. No endorsement of Equifax or any Equifax product is expressed or implied by the mention of any third party in these materials and, likewise, Equifax makes no endorsement of any third party or third party product by the mention of such third party or products in these materials.

Debt Wise lets you create a plan for paying off your debts that will show you how you can pay off your debts more quickly and save money on interest if you make payments according to the plan that you create and don't incur additional debts. However, the actual results you achieve towards paying down your debts, reducing the length of time you will be in debt, and realizing savings in interest payments all depend on you. Equifax is not a certified or registered financial planner, and neither Equifax nor the Debt Wise product provides debt management advice, credit counseling, financial planning or financial counseling. Debt Wise is not a loan product, does not provide an extension of credit, and is being offered independent of any extension of credit. Neither Equifax nor the Debt Wise product will negotiate on your behalf with your lenders and creditors to obtain new or different loan or credit terms for you or to eliminate reduce or settle your debts. Neither Equifax nor the Debt Wise product will distribute debt payments to your creditors on your behalf – you must pay your lenders and creditors directly. You remain at all times responsible for paying your debts in accordance with the terms of your agreements with your lenders and creditors. Equifax does not imply, promise or guarantee that use of the Debt Wise product will or may improve your credit record, credit history, credit rating, credit score, credit report or debt‐to‐income ratio, and neither Equifax nor the Debt Wise product will help or advise you in these matters. These items are based on your past or historical credit behavior, and accurate and timely adverse credit information based on your past credit behavior cannot be changed. Debt Wise is not available to residents of Nevada, Utah or the District of Columbia.

*You will be required to provide a credit card when you sign up at the end of the FREE trial period. We will automatically renew your enrollment and charge your credit or debit card $14.95 per month, unless you cancel.

**The Equifax Credit Score™ is a proprietary credit model developed by Equifax. it may be calculated using the information in your Equifax, Experian and TransUnion credit files. This score is intended for your own education use. There are numerous credit scores and models available in the marketplace and lenders may use a different score when evaluating your creditworthiness.

^†† Participation in this poll is completely voluntary and the results of the poll shall not be binding upon Equifax in any way. This poll is being facilitated by Polldaddy.com on behalf of Equifax, and you will be submitting your responses directly to Polldaddy.com. Certain information will be collected by Polldaddy.com when you submit your response, including your IP address, browser information, operating system information, time and date of event, and your responses to the poll. You can view Polldaddy.com's Privacy Policy at http://polldaddy.com/privacy/.

If you have any questions, please call us at 1‐800‐829‐3616, 8:00AM ‐ 3:00AM (EST), 7 days a week, and mention Campaign Source Code – NEW38. Referencing this code will help us to better serve your needs. You may e-mail us anytime at customer.care@equifax.com. Or you can write us: Equifax Personal Information Solutions. PO Box 105496, Atlanta, GA 30348.