myEquifax Services Privacy Policy

Effective Date: September 19, 2018

Protecting your personal information is important to Equifax Information Services LLC (“Equifax,” “We” or “Us”). Please review the following information regarding our privacy policies and practices.
This online privacy policy (“Policy”) applies to the Equifax websites (collectively and individually, “Website”) where you register for an account in the service center, obtain a free or reduced-fee disclosure of your credit file, dispute item(s) on your credit file, request that an initial fraud alert or an active duty alert be placed on your credit file, or take any action associated with a security freeze on your credit file (collectively "Consumer Activities"). We want visitors to our Website to understand our privacy practices in connection with this Website.

This document includes information about:

  1. Information We Collect and How We Use It
  2. How We Share Information 
  3. Information Security
  4. Making sure information is accurate
  5. Your Choice and Control Over Your Information
  6. Third Party Websites and Services
  7. Users Outside the United States
  8. Changes to this Policy
  9. How to Contact Us

Special Note for Parents: This Website is a general audience website and is not designed or intended to attract children younger than 13. We do not collect personal information from any person we actually know is younger than 13.

  1. Information We Collect and How We Use It

The information we gather from you enables us to complete the Consumer Activities you request and personalize and improve our Website features. The information we collect from you includes: (1) information you provide directly to us; (2) information collected automatically (such as through cookies or other technology); and (3) information from other sources.

Information You Provide to Us: We may receive and store any information when you use our Website to perform one of the Consumer Activities or that you provide to us in any other way. This includes personal information, which is information that can identify you as an individual. Examples of personal information include, but are not limited to, your name, your physical or email address, your date of birth, and your Social Security number. Personal information does not include information that does not reveal your specific identity or does not directly relate to an individual, such as demographic, de-identified or aggregated data. You can choose not to provide us with certain information, but then we may not be able to fulfill your requests, or you may not be able to take advantage of all of the features of our Website.

The information that you provide to us so that we can provide you with the information and assistance you request will be used for purposes consistent with this Privacy Policy and the terms and conditions for the associated services, if applicable.

Registration: In order to access some portions of this Website, you must first complete the registration form submitting your email address and creating a password. During registration you are required to provide your personal information including: name, mailing address, date of birth, Social Security Number and email address. We use this information to verify your identity as well as uniquely identify your information with credit bureaus and other data stores. 

Identity Verification:  For your protection, when you create an account to perform the Consumer Activities, we will assess fraud risk and may attempt to verify your identity. This may include sharing your information with third party risk and identity vendors and/or asking you questions in which you will need to provide certain information that only you should know. We may restrict or revoke access to the Website as a result of this screening in our sole discretion. We may also utilize other methods such as a customized link or passcode to validate your access to contact points associated with your account or Consumer Activities. If you wish to verify your identity via a passcode to your mobile device, you will also be required to provide a mobile telephone number.

Disclosures and Assistance Requests: If you request a disclosure or assistance from us on our website, we will request certain personal information from you. To complete this type of request, you must provide contact information (such as name, email, and shipping address). We use this information to fill your orders. If we have trouble processing a request, we will use this information to contact you.

Information Collected Automatically

We may receive and store certain types of information automatically when you interact with our website.

Cookies: We use session and persistent cookie technology. Generally speaking, cookies are text files that are placed in your device’s browser. Cookies can be used to help recognize your browser across different web pages, online activities, and browsing sessions and to personalize and improve your experience on the Website and other online activities. For example, cookies are used in order to:

  • Allow you to make more than one request during a visit without having to re-enter your information each time you make a request from us;
  • Allow us to gather aggregated statistical data about the use of our Website;
  • Help us improve your navigation of our Website;
  • Enable us to store your preferences for certain kinds of information;
  • Help us to provide features such as personalized offers or ads that we believe may be of interest to you;
  • Allow us to store your username and customer identification number so that we recognize you when you return to our Website; and
  • Help us combat identity theft and fraud with more reliable identity verification and authentication data.

Our Website may use Google Analytics, a web analysis service provided by Google, in order to better understand your use of our Website and how we can make improvements. Google Analytics collects information such as how often users visit a website, what pages you visit when you do so, and what other websites you used prior to coming to such website. Google Analytics collects only the IP address assigned to you on the date you visit a website, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with your personal information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit a website, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to the Website is governed by the Google Analytics Terms of Use.

Web Beacons: We use a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our website by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence.
We also use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of our communications.

Log Files: We may choose to automatically receive and record information on our server logs from your browser including your IP address, computer MAC address, cookie information, and the page you requested. Our servers may automatically collect usage information, such as the numbers and frequency of visitors to our website and its components, similar to TV ratings that indicate how many people watched a particular show. We use this data in aggregate form, that is, as a statistical measure, and not in a manner that would identify you personally. This type of aggregate data enables us to figure out how often consumers use parts of the website so that we can make the website appealing to as many people as possible, and improve those features.

Device identification: We also may collect other information about the device you use to interact with our Website or one of our digital advertisements. The information may include device type, unique device identification (if applicable), operating system, device model number, serial number, and types and versions of software installed. We may also collect your IP address, which is a number automatically assigned to your device when you access the Internet and can be used to derive your general geolocation. This information may be used to create a digital identifier for your device that may be associated with your account.

E-mail Communications About Our Services:  We may receive a confirmation when you open an e-mail from Equifax if your computer supports this type of program. Equifax may use this confirmation to help ensure the timeliness and effectiveness of correspondence. We may periodically send you service-related announcements, such as to confirm that you have updated your contact information with us. Generally, you may not opt-out of these communications, which are not promotional in nature. In addition, we may send you offers for other products or services from us, our affiliates or third parties. You may be able to opt-out of those communications in accordance with applicable law.

Information we collect from others:

Supplementing Your Personal Information: To improve the security of our website, to protect your identity, and protect your information, we may verify your personal information by matching the information you provide to Equifax against other publicly available information that we obtain from identity verification companies. 

In addition, we may receive information about you from sources such as data brokers, data cooperatives, other commercial sources, and public databases. For example, we may collect information about average household income and census data relating to households within particular geographic areas to better understand the characteristics of our customers and visitors to our Website and to develop new products and content areas. We may also receive information from third parties that identifies your interactions with our Website across multiple devices.

We may combine all of the personal information and non-personal information we collect or receive about you and use or disclose it in the manner described in this online privacy policy, including to help us better tailor content, advertising and offers to your interests and needs.

  1. How We May Share Information 

Third parties and affiliates: We work closely with a variety of third parties and affiliates and may offer selected products jointly with trusted third parties and affiliates. You will be able to recognize when we are sharing information with a third party or affiliate when you are directed to that entity’s website to sign up for a product or service. We may also share your information with our affiliates to facilitate your interactions with them, to enable them to improve their business or offerings, and to help them market their products and services to you. We may also disclose your information to nonaffiliated third parties and among our affiliates to the extent required by or permissible under applicable law.

Service Providers: We may employ affiliates, other companies and people to perform tasks on our behalf such as an email provider to send specific types of email or those that assist us in marketing or maintaining our Website and need to share information with them to assist us. Unless we tell you differently, our service providers do not have any right to use personal information we share with them beyond what is necessary to assist us. 

Business Transfers: If all or part of our company is sold or merged, if we make a sale or transfer of assets, or in the unlikely event of a bankruptcy, we may transfer your information, including your personal information, to one or more third parties as part of that transaction.

Protection of You, Equifax and Others: We reserve the right to disclose your information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process, enforce or apply our conditions of use and other agreements; or protect the rights, property, or safety of Equifax, our employees, our customers, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.

Fraud detection: We may disclose your information where we believe it is appropriate to detect, prevent, and address fraud or other illegal activity. For example, we may disclose your device information and device digital identifier, as well as other information, including but not limited to IP address or account identifier, to our partners that provide services designed to detect potential fraud. This information may be combined with information from other participating services in order to improve the security of our online environment.

  1. Information Security

We are committed to protecting the security of your personal information and use commercially reasonable technical, administrative and physical security measures. However, no data transmission or storage can be guaranteed to be 100% secure. As a result, while we strive to protect the personal information we maintain, we cannot ensure or warrant the security of any information that you transmit to us.

  1. Making sure information is accurate

Equifax may allow you to access some of your personal information for the purpose of viewing, and in certain situations, correcting and updating that information. The types of information that you can access and update will change as our website changes. This can be seen when you log into our website with your email address and password and choose "update".

You also may contact us by email or postal mail by using the contact information listed below.

  1. Your Choice and Control Over Your Information

You can opt not to disclose information to Equifax, even though it may be needed to take advantage of certain Equifax website and product features. You may be able to add or update certain information on pages, such as those that may be listed in the "Making sure information is accurate" section above. When you update information, however, we may maintain a copy of the unrevised information in our records.  As explained earlier, the majority of browsers allow you to monitor and restrict our use of cookies. Please note, however, that if your browser does not accept cookies, you may not be able to take advantage of some of our website features.

Do Not Track signal: Some web browsers may transmit “do not track” signals to the websites and other online services with which a user communicates. There is no industry standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established and accepted, we may revisit our policy on responding to these signals.

Online Behavioral Advertising: The Equifax Online Behavioral Advertising Notice also provides information about how you may opt out from receiving ads based on your online behavior. Please visit the websites operated by the following organizations to learn more, including to learn about choices to opt out of targeted advertising:

Your California Privacy Rights: California Civil Code Section 1798.83 entitles California customers to request information concerning whether a business has disclosed Personal Information to any third parties for the third parties’ direct marketing purposes. California customers who wish to request further information about our compliance with this law or have questions or concerns about our privacy practices and policies may contact us as specified in the “How to Contact Us” section.

  1. Third Party Web Sites and Services

This Privacy Policy applies only to the Websites. This site may contain links or referrals to other websites not operated or controlled by Equifax (“Third Party Websites”). The policies and procedures that are described in this Privacy Policy do not apply to Third Party Websites, and any links or referrals from Equifax do not imply that Equifax endorses or has reviewed the Third Party Websites. We suggest contacting those third parties directly for information on their privacy policies and practices.

  1. Users Outside the United States

This Website is intended for users within the United States. If you use this Website from outside the United States, please be aware that information you provide to Equifax or that Equifax obtains as a result of your use of this Website may be processed and transferred to the United States and be subject to the laws of the United States. The privacy and data protection laws in the United States may not be equivalent to such laws in your country of residence. By using our Website, using any of our Website’s functions or features, or by providing us with your personal information or non-personal information, you consent to the collection, transfer, storage, and processing of your information in and to the United States.

  1. Changes to this Privacy Policy

We may change this Policy in the future. If we make changes to this Policy, we will post the revised privacy policy and its effective date on this Website.

  1. How to Contact Us

If you have questions or comments about this Privacy Policy, please e-mail us at privacy@Equifax.com or write to Chief Privacy Officer, Equifax Inc., 1550 Peachtree Street, NW, Atlanta, GA 30309. Please reference “Privacy Policy – MyEquifax Services” when contacting us about this policy.