By placing an order, users provide written authorization under the FCRA for Equifax to obtain, monitor, and compile credit information from one or more of the three nationwide consumer reporting agencies, as well as non-public personal information and highly restricted personal information as defined under GLBA. This authorization is a condition of product access.
This analysis describes what Equifax's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes the contractual and statutory basis under which Equifax accesses consumer credit files and non-public personal information, grounding the authorization in both the FCRA's permissible purpose framework and GLBA definitions. The scope of authorized data collection extends beyond credit report data to include other categories of personal information, the boundaries of which are defined by reference to GLBA rather than enumerated in the agreement.
Under this provision, submitting a product order constitutes written authorization for Equifax to access the user's credit file at one or more of the three nationwide consumer reporting agencies, as well as non-public personal and highly restricted personal information as defined under GLBA. This authorization persists for the duration of the membership and is a non-negotiable condition of product access.
Cross-platform context
See how other platforms handle FCRA Written Authorization for Credit File Access and similar clauses.
Compare across platforms →"As needed to provide Products to You, You authorize and instruct Us to obtain, monitor, and compile Your: (i) credit information from one or more consumer reporting agencies; (ii) "non-public personal information", "personal information", and/or "highly restricted personal information" about or concerning You as defined by the Gramm-Leach-Bliley Act (15 U.S.C. sec 6801 et seq); and (iii) other personal information. By placing Your order You acknowledge and agree that Your access to the Products and any consumer credit information contained therein is subject to Your prior written authorization and Our verification of Your identity. As such, You understand and agree that by submitting Your order, You are providing "written instructions" in accordance with the FCRA for Us to obtain credit information about You from one or more of the three nationwide consumer reporting agencies and You hereby authorize Us to access Your personal credit information in order to provide the Products.Excerpt from Equifax's Terms of Use
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This provision establishes the contractual and statutory basis under which Equifax accesses consumer credit files and non-public personal information, grounding the authorization in both the FCRA's permissible purpose framework and GLBA definitions. The scope of authorized data collection extends beyond credit report data to include other categories of personal information, the boundaries of which are defined by reference to GLBA …
Under this provision, submitting a product order constitutes written authorization for Equifax to access the user's credit file at one or more of the three nationwide consumer reporting agencies, as well as non-public personal and highly restricted personal information as defined under GLBA. This authorization persists for the duration of the membership and is a non-negotiable condition of product access.
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