January 2010 Newsletter

** © Copyright 2010, Informa Research Services, Inc. (“Informa”). While all attempts have been made to provide effective, verifiable information in this article, neither the author nor Informa assumes any responsibility for errors, inaccuracies, or omissions. You should always seek the guidance of a licensed professional before making any major financial decisions.

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.

^† Results are based on data collected from Equifax Debt Wise and DebtWatchers™ subscribers. Debt Watchers is available from Primerica Client Services, Inc., an affiliate of Primerica Financial Services, Incorporated in partnership with Equifax. Actual subscriber results may vary materially from those described herein. Equifax does not guarantee, intend or assume any obligation for results which differ from those expressed or anticipated.

^†† Participation in this poll is completely voluntary. 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/.

FICO^® and “and the score lenders use” are registered trademarks of Fair Isaac Corporation.

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 – NEW30. 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.