Privacy Notice

The below Privacy Notice applies to all products offered by Equifax Consumer Services LLC except Lock & Alert, which has a separate Privacy Notice. Products covered by the below Privacy Notice include, for instance, Equifax Complete Premier, Equifax Complete Family Plan, Equifax Complete, Equifax Credit Monitor and Equifax Core Credit. The below Privacy Notice also does not apply to services offered by Equifax Information Services LLC through myEquifax. These services Include disputes, credit freezes, fraud and active duty alerts and Equifax credit reports offered directly by Equifax Information Services LLC as part of myEquifax.

Click here for a printable PDF of the Privacy Notice
Rev. Sep 2022

WHAT DOES EQUIFAX CONSUMER SERVICES LLC DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and credit card information
  • Payment history and transaction history
  • Credit scores and credit history

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Equifax Consumer Services LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Equifax Consumer Services LLC share? Can you limit this sharing?

For our everyday business purposes-
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

 Yes No

For our marketing purposes-
to offer our products and services to you

 Yes No

For joint marketing with other financial companies

 Yes No

For our affiliates' everyday business purposes-
information about your transactions and experiences

 Yes No

For our affiliates' everyday business purposes-
information about your creditworthiness

 Yes Yes

For our affiliates to market to you

 Yes Yes

For nonaffiliates to market to you

 Yes Yes

To limit our sharing

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Who we are  
Who is providing this notice?

Equifax Consumer Services LLC
What we do  
How does Equifax Consumer Services LLC protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. For additional information, visit https://www.equifax.com/about-equifax/security/.
How does Equifax Consumer Services LLC collect my personal information?

We collect your personal information, for example, when you

  • open an account or provide account information
  • use your credit or debit card or pay your bills
  • give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

 
Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

 
What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to you alone unless you tell us otherwise.
Definitions  
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies with an Equifax name and others such as lXI Corporation and TALX Corporation.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include marketing and analytics companies.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include companies that provide financial education and companies that present offers for loans and other financial products and services.
Other important information

California: If your account has a California billing address, we will not share your personal information except to the extent permitted under California law.

Vermont: If your account has a Vermont billing address, we will automatically treat your account as if you have directed us not to share information about your creditworthiness with our affiliates.