Your Privacy & Security

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Privacy Policy - Online Personal Credit Report

Free Personal Credit Reports is a national consumer credit bureau. Our credit-reporting business is regulated by the federal Fair Credit Reporting Act and companion state laws. We are also held accountable by various other laws and industry standards as well as your expectations. We are sensitive to your interest in privacy, and we are committed to letting you know what information is being collected, how the information is being used, and in providing you choices in the use of the information. Each time we request identification information from you, we will explain why we are asking and how we will use your information. The online personal credit report service is provided to consumers in accordance with the Fair Credit Reporting Act and with Free Personal Credit Reports’s Information Values. For a full explanation, you may link to Free Personal Credit Reports’s Information Values at the bottom of this page.

Collection and use of your information for ordering a credit report
We will not release an individual’s personal credit report without verifying the identity of the requester and ensuring that the requester is the subject of the requested report. We require that you provide us with the requested personal information during the online ordering process to ensure that we provide your credit report only to you. Additionally, we will ask you several multiple choice questions about your credit history that only you should know. We cannot deliver your personal credit report online if you do not provide us with this information or if you provide us with incorrect information. We take these precautions for your privacy and security protection.

The personal information you provide to us in connection with ordering your credit report online will never be shared with any third parties except for audit and legal purposes. Information may be shared with external auditors during routine audits of our systems and operations; and may be disclosed as a result of legal proceedings, such as a subpoena or search warrant. Aggregated non-personal statistical data may be used to develop enhancements to this product and other Free Personal Credit Reports consumer products. We may use data to make changes to our product, as deemed necessary to continue to ensure your security and privacy online. If you are unable to order your credit report through this online system, we may contact you at the address we have on file to assist you in obtaining your credit report in another manner. We may also contact any user of this online system for audit and verification purposes in order to comply with laws and regulations governing the credit reporting industry. For example, we may institute random mail or telephonic confirmations to ensure that our system is secure. This is for your security and your protection.

Storage of your information
We will store the information you provide to us during your visit for fraud detection and verification purposes.

Use of cookies
In order to use our online service, your ’cookies’ must be enabled. A cookie is a small amount of data stored by the web browser and associated with a particular web page or site. Cookies serve to give the web browser a memory so that it can use data that was input on one page in another page, or so it can recall user input when the user leaves a page and later returns. We use cookies for the sole purpose of simplifying the registration process when you visit our online personal credit report service. Only the information that you provide while visiting this service will be stored in a cookie, and it can only be read by our server. We do not store any cookies on our server. The cookie you accept uniquely identifies your computer, not you. Cookies are never disclosed to any third party. If you are interested in understanding more about cookies and their usage, please refer to the following Web site: www.cookiecentral.com.

Opt-in for Free Personal Credit Reports marketing information
We believe consumers should have choices about the use of all their personal information. If you provide us with your email address, we will use your name, physical address, and email address to provide you information about products developed by Free Personal Credit Reports and our affiliate companies. We may also ask you to participate in surveys. If you change your mind and do not want to receive information about these products, you will be given the opportunity to opt-out in each mailing you receive.

Security
Free Personal Credit Reports protects your information over the Internet by using a secure web server, which allows your web browser programs (Netscape Navigator/Communicator or Microsoft Internet Explorer) to interact with Free Personal Credit Reports’s web server via an encrypted session. Free Personal Credit Reports employs a Secure Sockets Layer (SSL) connection that provides an encrypted connection between your computer and Free Personal Credit Reports. The 128 bit encrypted connection scrambles ordinary text or data into cyphertext to safeguard your sensitive and private information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination, your computer.

Depending on which browser you use, you will know you are in a secured area by ’https’ appearing in front of the URL (Uniform Resource Locator) in the address bar, and/or a locked padlock appearing somewhere in the lower corner of your screen. When you visit our Web site, you may move in and out of secured areas. Any time that you are on a registration page or viewing your personal credit report, you will be in a secured area.

Additionally, Free Personal Credit Reports utilizes systems access controls to protect your information. Free Personal Credit Reports continually monitors access to its systems to detect unauthorized attempts to gain access to information.

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• How do you know that you may have been a victim of credit fraud? What can you do to protect yourself?
• What is Credit Score? What is a FICO Credit Score? How does it affect me?
• How can I choose the best right credit card for my needs?
• Manage your personal finances better.
• Compare providers of credit reports by price and value.
• Dealing with Credit Fraud - Protect your credit history and your credit report score
• How to Obtain a Free Credit Report even if you are not eligible.
• Credit Management & Personal Finance Books
• Credit Report, Credit Card and Loan Resources

Credit Card, Loan and Credit Report Resources

Loans and Mortgages

• Credit Card and Loan Best Deals Comparison Service a comprehensive listings of credit card offers from many companies with complete information on the offers. Can find best credit card for your needs. Can sort offers by lowest interest rate credit cards, secure credit cards, no annual fees, etc. Also comparison shopping service for car and house loans as well as for various insurance policies.

• Mortgage Rates and Mortgage Interest Rate Calculator offers free mortgage calculators and loan as well as refinance calculators. Also included are auto loan calculators.
• Online Calculators list of free online calculators.

• Auto Loan Calculator and Auto Loan Rates car payment calcultor allows to estimate loan payments at different auto loan rates. Tools for auto financing include online calculator for monthly payments for loan or lease and credit check.

Calculators

• Business Magazine Subscriptions specializes in subscriptions and free offers of business magazines, management and strategic planning magazines, investment, money management and financial magazines, and retirement planning magazines among others. A good resource, conveniently organized by category. Easy to find what you're looking for. Also magazines geared for small business owners and start-ups and home office.
• Free Trade Magazines and Discount Professional Magazine and Journal Subscriptions offers free business and professional magazine subscriptions and discount trade publications and journals.Credit and Finance