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Permissible Purpose

    The Federal Fair Credit Reporting Act and a number of similar state laws restrict access to consumer credit information. You must have a permissible purpose to order a consumer report. In general, except for Vermont, you may access consumer credit information when a consumer applies to you for credit or insurance to be used primarily for personal, family or household purposes or the collection of a credit account of a consumer. You may also access consumer credit information for employment purposes, provided you comply with certain additional requirements. Additionally, consumer credit information may be used for tenant screening.


Important News and Announcements:

Undisclosed Debt Monitoring - Now Better than Ever

Equifax is excited to have released new enhancements to Undisclosed Debt Monitoring™ that provide more comprehensive monitoring of the "quiet period" between the time of the original credit file pull and the closing of the loan. With expanded features and more alerts, you'll be able to take advantage of a risk management tool that is GSE-compatible and includes:

  • Single, dual or tri-bureau inquiries
  • A new debt-to-income (DTI) indicator
  • Enhanced alert reporting
  • Easy delivery options
  • User-friendly navigation
  • Multiple data modules and configurations
These enhancements were released on May 20, 2015. As a reminder, all clients are required to migrate to the new version's (UDM 2.0) input and output.