Tags:

Equifax Identity Scan “Identity Scan” is an on-line warning system containing information that can be used to detect possible or known identity theft and application fraud. Some of the information in the Identity Scan database is provided by credit grantors. If Client orders the Identity Scan service, then Client agrees to furnish for potential inclusion in Equifax’s Identify Scan system any data that Client knows to have been used in connection with a fraudulent transaction or attempted fraudulent transaction with Client.

Tags:

These terms and conditions apply to Client’s receipt of and use of the Synthetic Fraud Alerts, as described below, and Client acknowledges it will request and receive the Synthetic Fraud Alert, subject to the terms of the additional terms and conditions set forth below. Synthetic ID Alerts provide flags and attributes that can help identify synthetic identity fraud through the use of aggregated and anonymous authorized user transactions from a separate anonymous database of potential synthetic identity fraud transactions that may have association with the subject consumer.

Tags:

In addition to the terms and conditions contained in the Agreement and this Exhibit, the following additional terms also govern the use by Client of credit risk scores of Fair Isaac Corporation (“FICO Scores”): From time to time, Client may request that Equifax provide FICO Scores, for, in each case, one of the following internal decisioning purposes requested: (a) in connection with the review of a consumer report it is obtaining from Equifax; (b) for the review of the portion of its own open accounts and/or closed accounts with balances owing that it designates; (c) as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation; (d) for use as a selection criteria to deliver a list of names to Client, or Client’s designated third party processor agent; (e) for transactions not initiated by the consumer for the extension of a firm offer of credit or insurance; or (f) with respect to the insurance risk scores only for use in connection with the underwriting of insurance involving the consumer.

Tags:

Client agrees to hold Agility Credit harmless for any liability or responsibility as to the accuracy and/or subsequent usage of the information returned. OFAC Alert is based on information that was not collected, in whole or in part, for the purpose of serving as a factor in establishing a consumer’s eligibility for credit or insurance to be used primarily for personal, family or household purposes; employment purposes, or any other purpose authorized under the FCRA.

Tags:

VantageScore - is a tri-bureau credit risk model developed using one algorithm across sample data common to all three credit bureaus. The following additional terms and conditions apply to Client’s receipt and use of VantageScore: Client will request VantageScores only for Client’s exclusive use. Client may store VantageScores solely for Client’s own use in furtherance of Client’s original purpose for obtaining the VantageScores. Client shall not use the VantageScores for model development or model calibration, except in compliance with the following conditions: (1) the VantageScores may only be used as an independent variable in custom models; (2) only the raw archived Score and Score segment identifier will be used in modeling (i.

Tags:

Client agrees to comply with all applicable the provisions of the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480 (1999) as amended Client acknowledges that it subscribes to receive various consumer report and information services, as defined in 15 USC 1681(a)(d) (“Consumer Reports”), from Agility Credit and the Credit Bureaus, in accordance with the Vermont Fair Credit Reporting 9 V.S.A § 2480e (1999), as amended from time to time, and the Federal Fair Credit Reporting Act, 15, U.