Credit scores provided through Equifax products are based on a proprietary Equifax model and are delivered for educational purposes only, not as a determination of creditworthiness or loan qualification. Equifax states that third-party lenders do not use the Equifax Credit Score model to assess creditworthiness.
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 that Equifax Credit Scores provided through its consumer products are educational tools derived from a proprietary model that differs from scores used by lenders, and that the scores do not constitute credit qualification determinations. The distinction between the Equifax Credit Score and lender-used scores is material to users' ability to assess their actual creditworthiness from these products.
Under this provision, the credit scores delivered through Equifax products are based on a proprietary model and are stated to be for educational purposes only, meaning they may differ from scores used by lenders in actual credit decisions. The agreement also discloses that Equifax Core Credit provides a VantageScore 3.0, which is a distinct model from the Equifax Credit Score.
Cross-platform context
See how other platforms handle Credit Score Educational Purpose Limitation and similar clauses.
Compare across platforms →"Unless otherwise indicated, all credit scores furnished with Our Products are Equifax Credit Scores. By this, We mean that (unless otherwise indicated) all credit scores are prepared by Equifax and make use of the Equifax Risk Score, which is a proprietary credit score model developed by Equifax. Third parties use many different types of credit scores and will not use the Equifax Credit Score to assess your creditworthiness. When prepared and delivered to You as part of any Product, the Equifax Credit Score is provided for educational purposes solely to help You understand how lenders may evaluate Your overall credit risk. Therefore, nothing in any of Our Products is an endorsement or a determination of a person's qualification for a loan, or any other extension of credit.Excerpt from Equifax's Terms of Use
1.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
This provision establishes that Equifax Credit Scores provided through its consumer products are educational tools derived from a proprietary model that differs from scores used by lenders, and that the scores do not constitute credit qualification determinations. The distinction between the Equifax Credit Score and lender-used scores is material to users' ability to assess their actual creditworthiness from these products.
Under this provision, the credit scores delivered through Equifax products are based on a proprietary model and are stated to be for educational purposes only, meaning they may differ from scores used by lenders in actual credit decisions. The agreement also discloses that Equifax Core Credit provides a VantageScore 3.0, which is a distinct model from the Equifax Credit Score.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Equifax.