Terms and Conditions

  1. You Agree to These Terms & Conditions by Using this Website

    Your access to, and use of, AmericanCreditReport.com (the "Website") is subject to the following terms and conditions ("Terms and Conditions"). These Terms and Conditions apply to all transactions between you, American Credit Report ("ACR") and ACR service providers. By submitting your order, you acknowledge receipt of all privacy notices and agree to their terms, confirm your authorization for ACR and its service providers to obtain your consumer report and scores.

    YOUR USE OF THE SERVICES BEING PROVIDED TO YOU ARE SUBJECT TO THESE TERMS AND CONDITIONS AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THEM CAREFULLY. YOUR ACCEPTANCE AND USE OF THE SERVICES CONSTITUTE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT USE THE SERVICES OR ANY OF THE INFORMATION WITHIN THE SERVICES; DISCARD THE SERVICES YOU RECEIVED IMMEDIATELY AND CALL CUSTOMER SERVICE TO CANCEL YOUR MEMBERSHIP. MOREOVER, IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THE SITE, THE SERVICES OR ANY INFORMATION CONTAINED ON THIS WEB SITE. YOUR ACCESS TO AND USE OF THIS WEBSITE CONSTITUTE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW.

  2. Use of the Services

    In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the application form on the Website. You certify that you are eighteen (18) years of age or older. If any information you provide is untrue, inaccurate or not current, or if ACR has reasonable grounds to suspect that such information is untrue, inaccurate or not current, ACR, at its sole discretion, have the right to suspend or terminate your use of any Service and refuse all current or future access to use of the Services or suspend or terminate any portion thereof. Further, you agree that ACR will not be liable to you or any third party if ACR suspends or terminates your access to the Services for any reason.

    Credit information is obtained and used to prepare credit reports from the three national credit repositories (Equifax, Experian, Trans Union, collectively, the "CRA Repositories"). The credit reports are intended to furnish you with information that you may not otherwise have readily available to you, but should not be relied upon for important personal and financial decisions. You should consult your own professional adviser for specific advice tailored to your personal situation.

    YOU UNDERSTAND THAT BY CHECKING THE "I AGREE" OR SIMILAR BOX IMMEDIATELY FOLLOWING THESE TERMS AND CONDITIONS, YOU ARE PROVIDING "WRITTEN INSTRUCTIONS" IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, AS AMENDED ("FCRA"), FOR ACR TO OBTAIN INFORMATION FROM YOUR PERSONAL CREDIT PROFILE FROM ANY CONSUMER REPORTING AGENCY. YOU ALSO AUTHORIZE ACCESS OF YOUR PERSONAL CREDIT PROFILE TO VERIFY YOUR IDENTITY TO AVOID TRANSACTIONS IN YOUR NAME, AND TO PROVIDE CREDIT MONITORING, REPORTING AND SCORING PRODUCTS.

    YOU UNDERSTAND THAT IT MAY BE A VIOLATION OF FEDERAL AND/OR STATE LAW FOR YOU TO OBTAIN A CREDIT REPORT ON ANY PERSON OTHER THAN YOURSELF, AND THAT UNDER THE FCRA, ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18, UNITED STATES CODE, IMPRISONED FOR NOT MORE THAN 2 YEARS, OR BOTH.

  3. FCRA Disclosures

    See below for a summary of your rights under the Fair Credit Reporting Act ("FCRA"). You can also click here for a full text of your summary of rights.

  4. Modification of Services

    ACR may, at its discretion, modify or discontinue any of the Services or a portion thereof, with or without notice. You agree that ACR will not be liable to you or any third party for any modification or discontinuance of any of the Services.

  5. Disclaimer of Warranties

    We may not always be able to successfully provide our Services to you, including instant online delivery of your Credit Report. When the system is unable to verify your identity, you may be routed through a manual authentication process. After your identity has been verified, we will send a private access code via U.S. mail to the address in your credit file, which you can use to access your report online. This process is normally complete within 5 to 7 days. For other products and services, we cannot offer a manual authentication process and will be unable to fulfill your order if you fail online authentication one or more times.

    You must have an email address and a Java-compatible browser such as Netscape Navigator 6.0 or higher, Internet Explorer 5.0 or higher, or AOL 8.0 or higher to receive your Services online. ACR is not responsible for any overdraft/over-the-limit charges or bank fees if your account contains insufficient funds when your order is processed and billed.

    YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. ALL SERVICES ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS. ACR AND ITS PARENT COMPANIES, SUBSIDIARIES AND AFFILIATES EXPRESSLY DISCLAIM ALL WARRANTIES, GUARANTEES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT. THE INFORMATION CONTAINED IN THE WEBSITE OR OTHER MATERIALS THAT YOU RECEIVE FROM ACR DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. ACR AND ITS PARENT COMPANIES, SUBSIDIARIES AND AFFIIATES AND MAKE NO WARRANTY OR REPRESENTATION THAT (I) THE SERVICES (INCLUDING THE CREDIT REPORTS) ARE ACCURATE, COMPLETE, VALID OR ERROR-FREE; (II) THE SERVICES WILL BE DELIVERED IN A TIMELY FASHION, (III) THE SERVICES WILL BE DELIVERED ON AN UNINTERRUPTED BASIS; (IV) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE RELIABLE; AND (V) THE SERVICES WILL MEET YOUR NEEDS.

  6. Limitation of Liability

    YOU UNDERSTAND AND AGREE THAT ACR AND ITS PARENT COMPANIES SUBSIDIARIES AND AFFILIATES WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE, OR INABILITY TO USE THE SERVICES, EVEN IF ACR AND ITS PARENT COMPANIES SUBSIDIARIES AND AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW. IF, NOTWITHSTANDING THE ABOVE, LIABILITY IS IMPOSED UPON ACR, THEN YOU AGREE THAT ACR'S TOTAL LIABILITY FOR ANY OR ALL OF YOUR LOSSES OR INJURIES FROM ACR'S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE YOU PURCHASED FROM ACR.

  7. Links to Third Party Sites

    The Website, content, emails or other transmissions sent by ACR may contain links to sites owned or operated by parties other than ACR. Such links are provided for your convenience only. ACR does not control, and is not responsible for, the content or privacy policies on, or the security of, such sites. Without limiting the foregoing, ACR specifically disclaims any responsibility if such sites:

    • infringe any third party's intellectual property rights;
    • are inaccurate, incomplete or misleading;
    • are not merchantable or fit for a particular purpose;
    • do not provide adequate security;
    • contain viruses or other items of a destructive nature; or
    • are libelous or defamatory.
  8. Ownership of Contenty

    The Website and all of its contents including, but not limited to, all text and images are owned and copyrighted by ACR or others with all rights reserved unless otherwise noted. Any content that is a trademark, logo, or service mark is also a registered or unregistered trademark of ACR or others. Your use of any content, except as provided in these Terms and Conditions, without the written permission of the content owner is strictly prohibited.

  9. Governing Law

    These Terms and Conditions as applied to ACR are governed by the laws of Florida without regard to conflict of law provisions. You hereby consent to the exclusive jurisdiction of the courts of the State of Florida. Venue shall be in Broward County, Florida.

  10. Privacy Policy Notice

    ACR's policy on how your personal information is used and disclosed is contained in our Privacy Policy. Click here for a copy of ACR's privacy policy.

  11. CANCELLATION AND REFUND POLICY

    AmericanCreditReport.com is committed to the highest standard of customer service. We are confident that while using AmericanCreditReport.com you will highly benefit from our services. However, if for any reason you’re not completely satisfied, just follow the Refund Policy instructions below.

    1) CANCELLATIONS DURING YOUR FREE TRIAL

    If for any reason you are not satisfied with our credit monitoring service during your 7-day free trial, please call our Customer Service Department to cancel your membership at (888) 866-0616 or you can cancel by sending an email to CS@AmericanCreditReport.com. You will not be charged for the service you received during your free trial period.

    (2) CANCELLATIONS AFTER YOUR FREE TRIAL

    There is nothing more important to us than treating our customers well. If you ever feel like we let you down, give us a call and we’ll refund your membership fees - simple as that. You may cancel your membership by calling our Customer Service Department at (888) 866-0616 or you can cancel by sending an email to CS@AmericanCreditReport.com.

  12. Entire Agreement with ACR/Miscellaneous

    These Terms and Conditions, the Privacy Policy, and other policies ACR may post constitute the entire agreement between ACR and you in connection with your use of the Website, the Services, and the Content, and supersede any prior versions of the terms and conditions, if applicable. ACR may update these terms and conditions from time to time by posting revised Terms and Conditions on the Website, without notice to you, and your subsequent use of the Website is governed by those new Terms and Conditions. In the event of a conflict between any other notice, policy, disclaimer or other term contained in the Website, these Terms and Conditions will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.

Agreement with IdentityIQ, CoreLogic Credco, LLC ("Credco"), and other data providers


These terms and conditions (“Terms and Conditions”) apply to all transactions between you and Company, IdentityIQ, CoreLogic Credco, LLC (“Credco”), and other data providers. By submitting your order, you acknowledge receipt of our Privacy Notice and agree to its terms, confirm your authorization for Credco/CLCS to obtain your consumer report ("Basic Report"), scores ("Scores") and other enhancements to the Basic Report, and agree to the Terms and Conditions herein. For purposes of these Terms and Conditions, the term "Credit Reports" includes Basic Reports, Score and other enhancements to Basic Reports, individually or collectively, as the context requires.

YOUR USE OF THE SERVICES (DEFINED BELOW) BEING PROVIDED TO YOU ARE SUBJECT TO THESE TERMS AND CONDITIONS AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THEM CAREFULLY. YOUR ACCEPTANCE AND USE OF THE SERVICES CONSTITUTE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT USE THE SERVICES OR ANY OF THE INFORMATION WITHIN THE SERVICES; DISCARD THE SERVICES YOU RECEIVED IMMEDIATELY AND CALL CUSTOMER SERVICE TO CANCEL YOUR MEMBERSHIP. MOREOVER, IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEB SITE, THE SERVICES OR ANY INFORMATION CONTAINED ON THIS WEB SITE. YOUR ACCESS TO AND USE OF THIS WEBSITE CONSTITUTE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH IN THESE TERMS AND CONDITIONS.

These Terms and Conditions are made between you and Credco/CLCS, the providers of the products and services at this web site ("Web Site"). All products and services (including, but not limited to, the Credit Reports) offered on this site by Credco/CLCS, (collectively, the "Services"), are subject to these Terms and Conditions, which may be updated from time to time. Please check this Web Site regularly for updates to these Terms and Conditions.

USE OF THE SERVICES

In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the application form on this Web Site. You certify that you are eighteen (18) years of age or older. If any information you provide is untrue, inaccurate or not current, or if Credco/CLCS have reasonable grounds to suspect that such information is untrue, inaccurate or not current, Credco/CLCS, at their sole discretion, have the right to suspend or terminate your use of any Service and refuse all current or future access to use of the Services or suspend or terminate any portion thereof. Further, you agree that Credco/CLCS will not be liable to you or any third party if Credco/CLCS suspends or terminates your access to the Services for any reason.

Credco obtains credit information used to prepare Credit Reports from the three national credit repositories (Equifax, Experian, Trans Union, collectively, the "CRA Repositories"). The Credit Reports Credco provides are intended to furnish you with information that you may not otherwise have readily available to you, but should not be relied upon for important personal and financial decisions. You should consult your own professional adviser for specific advice tailored to your personal situation.

YOU UNDERSTAND THAT BY CHECKING THE "VIEW REPORT" BOX IMMEDIATELY FOLLOWING THESE TERMS AND CONDITIONS, YOU ARE PROVIDING "WRITTEN INSTRUCTIONS" IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, AS AMENDED ("FCRA"), FOR CREDCO/CLCS TO OBTAIN INFORMATION FROM YOUR PERSONAL CREDIT PROFILE FROM ANY CONSUMER REPORTING AGENCY. YOU ALSO AUTHORIZE CREDCO/CLCS TO ACCESS YOUR PERSONAL CREDIT PROFILE TO VERIFY YOUR IDENTITY TO AVOID TRANSACTIONS IN YOUR NAME, AND TO PROVIDE CREDIT MONITORING, REPORTING AND SCORING PRODUCTS.

YOU UNDERSTAND THAT IT MAY BE A VIOLATION OF FEDERAL AND/OR STATE LAW FOR YOU TO OBTAIN A CREDIT REPORT ON ANY PERSON OTHER THAN YOURSELF, AND THAT UNDER THE FCRA, ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18, UNITED STATES CODE, IMPRISONED FOR NOT MORE THAN 2 YEARS, OR BOTH.

FCRA DISCLOSURES

The FCRA allows you to obtain a copy of all of the information in your consumer credit file disclosure from consumer reporting agencies for a reasonable charge. Full disclosure of information in your file at the three national credit repositories must be obtained directly from the repositories:

Experian:   www.Experian.com
Equifax:   www.equifax.com/fcra
Trans Union:   1-800-916-8800

The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances:

  • You certify in writing that you are unemployed and intend to apply for employment in the 60 day period beginning on the day you make the certification;
  • You are on public welfare assistance
  • You have reason to believe that your file at the consumer reporting agency contains inaccurate information due to fraud
  • You have been denied credit, insurance, or employment in the past 60 days as a result of your Credit Report.

The FCRA also permits consumers to dispute inaccurate information in their Credit Report without charge. Accurate information cannot be changed. You do not have to purchase your Credit Report or other information from Credco/CLCS to dispute inaccurate or incomplete information in your credit file maintained by the CRA Repositories.

The Credit Report you are requesting from Credco/CLCS is not intended to constitute the disclosure of Experian, Equifax or Trans Union information required by the FCRA or similar state laws.

The FCRA allows consumer to get one free comprehensive disclosure of all the information in their credit file from each of the Repositories once every 12 months through a central source. Although comprehensive, the Credit Reports from each of the Repositories that are available from the Credco/CLCS Web Site may not have the same information as a credit report obtained directly from the three Repositories or through the central source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com. You can also contact the central source to request this free annual disclosure by calling toll free (877) 322-8228 or by using the mail request form available at the central source website. The Services at this Web Site are not related to the free FCRA disclosure that you are or may be entitled to.

Consumers residing in the states of Colorado, Maine, Maryland, Massachusetts, New Jersey, and Vermont may receive an additional free copy of their credit report once per year and residents of the state of Georgia may receive two (2) additional copies per year. For Illinois residents, credit reporting agencies are required by law to give you a copy of your credit record upon request at no charge or for a nominal fee.

Click here for a full text of your summary of rights.

MODIFICATION OF SERVICES

Credco/CLCS may, at their discretion, modify or discontinue any of the Services or a portion thereof, with or without notice. You agree that Credco/CLCS will not be liable to you or any third party for any modification or discontinuance of any of the Services.

DISCLAIMERS

Because we use security measures designed to protect your privacy and to safeguard your information, we may not always be able to successfully provide our Services to you, including instant online delivery of your Credit Report. For certain of your Services, when the system is unable to verify your identity, you may be routed through a manual authentication process.

You must have an email address and a Java-compatible browser such as Netscape Navigator 6.0 or higher, Internet Explorer 5.0 or higher, or AOL 8.0 or higher to receive your Services online. Credco/CLCS are not responsible for any overdraft/over-the-limit charges or bank fees if your account contains insufficient funds when your order is processed and billed.

YOU EXPRESSLY UNDERSTAND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. ALL SERVICES ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS. CREDCO, CLCS, AND THEIR RESPECTIVE SUBSIDIARIES AND AFFILIATES, AND THE CRA REPOSITORIES EXPRESSLY DISCLAIM ALL WARRANTIES, GUARANTEES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT. THE INFORMATION CONTAINED IN THIS WEB SITE OR OTHER MATERIALS THAT YOU RECEIVE FROM CLCS/CREDCO DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. CREDCO, CLCS, AND THEIR RESPECTIVE SUBSIDIARIES AND AFFIIATES, AND THE CRA REPOSITORIES MAKE NO WARRANTY OR REPRESENTATION THAT (I) THE SERVICES (INCLUDING THE CREDIT REPORTS) ARE ACCURATE, COMPLETE, VALID OR ERROR-FREE; (II) THE SERVICES WILL BE DELIVERED IN A TIMELY FASHION, (III) THE SERVICES WILL BE DELIVERED ON AN UNINTERRUPTED BASIS; (IV) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE RELIABLE; AND (V) THE SERVICES WILL MEET YOUR NEEDS.

LIMITATION OF LIABILITY

YOU UNDERSTAND AND AGREE THAT CREDCO, CLCS, AND THEIR RESPECTIVE SUBSIDIARIES AND AFFILIATES AND THE CRA REPOSITORIES WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE, OR INABILITY TO USE THE SERVICES, EVEN IF CREDCO, CLCS, THEIR RESPECTIVE SUBSIDIARIES OR AFFILIATES OR THE CRA REPOSITORIES HAVE BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW. IF, NOTWITHSTANDING THE ABOVE, LIABILITY IS IMPOSED UPON CREDCO/CLCS, THEN YOU AGREE THAT CREDCO'S/CLCS'S TOTAL LIABILITY FOR ANY OR ALL OF YOUR LOSSES OR INJURIES FROM CLCS'S OR CREDCO'S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE YOU PURCHASED FROM CLCS/CREDCO.

GENERAL PROVISIONS

Governing Law

These Terms and Conditions are governed by the laws of California without regard to conflict of law provisions. You hereby consent to the exclusive jurisdiction of the courts of the State of California. Venue shall be in San Diego County, California.

Entire Agreement

These Terms and Conditions, the Privacy Policy, and other policies Credco/CLCS may post constitute the entire agreement between Credco/CLCS and you in connection with your use of this Web Site, the Services, and the Content, and supersede any prior versions of the terms and conditions, if applicable. Credco/CLCS may update these terms and conditions from time to time by posting revised Terms and Conditions on this Web Site, without notice to you, and your subsequent use of the Web Site or Services is governed by those new Terms and Conditions. The Terms and Conditions are effective until terminated by Credco and/or CLCS. In the event of termination, the Intellectual Property, Disclaimers and Limitations of Liability, and Governing Law provisions set forth in these Terms and Conditions will survive. In the event of a conflict between any other notice, policy, disclaimer or other term contained in this Web Site, these Terms and Conditions will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.

Privacy Policy Notice

Credco's/CLCS's policy on how your personal information is used and disclosed is contained in our Privacy Notice. The Services provided under these Terms and Conditions are web-based and you agree to accept this notification, revisions, and the provision of an annual notice electronically through this Web Site. Click here for a copy of CLCS's/Credco's Privacy Policy.

Last Updated MAY 19, 2010.