Recredentialing Information Center for USIS Customers

Recredentialing is a crucial process that ensures our USIS customers continually meet Equifax’s standards and comply with legal requirements for accessing our data. The process, which is critical to Equifax's compliance with the Fair Credit Reporting Act (FCRA) and other regulations, involves analysts performing investigative checks based on a structured, documented checklist. 

During initial onboarding, Equifax credentials customers by verifying their legitimacy and key personnel within their organizations. This process is essential to ensuring a partnership with reputable businesses that utilize data responsibly and in compliance with the FCRA.

As a customer’s business evolves (e.g. legal issues, leadership changes, or new lines of business), new risks can be introduced to consumers and Equifax. To proactively manage these risks, customers are required to complete recredentialing audits at regular intervals. The audit process includes investigative checks based on a structured checklist, which is documented for reference and includes confirmation of the customer’s use case for Equifax services, and testing of specific transactions.

Customers will receive an email notification from Equifax when a recredentialing audit is required.

These resources provide a four step guide to completing the audit and the enclosed video will provide guidance to streamline this process.

We recognize that your time is valuable and that this audit process requires time to complete. We are available to partner with you to make this process as efficient as possible. These resources provide a four step guide to completing the audit as a direct customer and the enclosed video will provide guidance to streamline this process.

The requirements for completing the recredentialing audit as a reseller is slightly different than a direct customer. These resources provide a six step guide to completing the audit as a reseller and the enclosed video will provide guidance to streamline this process.

If you are a reseller, you will also be asked by Equifax to complete a CFPL Assessment. The CFPL Assessment assesses business practices, policies, and procedures of resellers and value added brokers of Equifax data.

All Consumer Reporting Agency (CRA) Resellers and value added Brokers (VABs) are required to complete a new Engagement Questionnaire (NEQ) prior to being onboarded.

The CFPL Assessment is a required component of the NEQ in order to gain access to Equifax data, including consumer reports.

To help complete the CFPL assessment efficiently, please refer to these resources.

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