Credit Report Policy

Last Updated: February 15, 2025

1. Introduction

This Credit Report Policy governs the use of your credit information in connection with products and services offered by EQTY LYFE (“we,” “us,” or “our”) through our website, [www.eqtylyfe.com] (the “Site”). By using the Site and initiating a credit inquiry, you agree to this Policy, our [Terms of Use], and [Privacy Policy], all incorporated by reference. If you disagree, discontinue Site use immediately.

2. Compliance with the FCRA

Our services adhere to the Fair Credit Reporting Act (FCRA). We may request consumer credit reports during pre-qualification, application, and account monitoring. By providing personal information, you authorize us to obtain these reports and confirm your identity to prevent fraud.

3. Pre-Qualification Inquiry (Soft Credit Pull)

When you request pre-qualification, we conduct a “soft credit pull” via U.S. credit bureaus (Experian, Equifax, TransUnion). This does not affect your credit score. Submitting your inquiry serves as written FCRA authorization for EQTY LYFE to access your credit profile. Upon request, we will disclose which credit bureau provided your report.

4. Application Submission (Hard Credit Pull)

Submitting a formal application triggers a “hard credit inquiry,” recorded on your credit history and potentially impacting your score. Providing your Social Security Number constitutes written FCRA authorization for us to access your credit profile. If your application is denied based on credit report findings, we will notify you per FCRA requirements.

5. Post-Approval Account Monitoring

If approved and you accept our product, you authorize periodic “soft credit pulls” to service and monitor your account. These inquiries do not affect your credit score and continue for the duration of our relationship.

6. Your Rights to Free Credit Reports

Under the FCRA, you may request one free annual credit report from each bureau at [AnnualCreditReport.com] or contact:

Equifax: [www.equifax.com] | 1-800-525-6285 | P.O. Box 740256, Atlanta, GA 30374
Experian: [www.experian.com] | 1-888-397-3742 | P.O. Box 9554, Allen, TX 75013
TransUnion: [www.transunion.com] | 1-800-680-7289 | P.O. Box 2000, Chester, PA 19022

State laws may provide additional rights; contact your state consumer protection agency for details.

7. Policy Modifications

We reserve the right to amend this Policy at any time. Continued Site use after changes constitutes acceptance. Regularly review this Policy for updates.

8. Contact Us

For questions or concerns:

EQTY LYFE

contact@eqtylyfecorp.com

By using EQTY LYFE’s services, you acknowledge understanding and agreement with this Policy. Protect your financial health by staying informed of your credit rights and responsibilities.