EMS addresses the second factor (something the user has) via a system-generated passcode provided to the user during the login process. The purpose of this security feature is to require strong authentication in the interest of protecting confidential consumer information.

Authentication is completed in three easy steps:

  1.  Login by submitting correct User ID and password
  2. A system-generated Equifax passcode will be sent to the email address associated with the User ID. 
  3. NOTE: If you do not receive this email, please contact your System Administrator to ensure the email address is correct. If the email address is correct, please check your spam folder.
  4. Enter the Equifax passcode in the passcode field and click 'submit'.