Consumer Credit Reports from EquifaxRelevant Consumer Data for Faster, More Informed Decisions

Your business is faced with constant challenges, from complying with new government regulationsto acquiring and managing customers in a volatile marketplace. And in today’s demanding workenvironment, you cannot afford to spend an excessive amount of time reviewing consumer creditinformation.

Make More Informed DecisionsEquifax Automated Credit Reporting Online (ACRO) databaseis the leading information services source for the credit grantingcommunity — allowing you to make faster, more informed credit-granting decisions, while enabling you to manage your risk andmaximize growth opportunities:

• Reduce application fraud and improve skip-tracing effortswith access to the consumer’s identification information andemployment information.

• Reduce credit risk with access to the consumer’s publicrecord, inquiry and trade information.

• Simplify the adverse action process with the creditreporting agency address and telephone number that mustbe used in adverse action notices or declination letters.

Maximize the Decision-Making Power ofACROFILE with Advanced Scoring Modelsand Fraud Protection ToolsVantageScoreSM — the first tri-bureau consumer credit riskmodel of its kind that fuses extensive credit data attributes withinnovative statistical modeling techniques to yield greaterpredictive power for estimating the likelihood of a consumerbecoming 90+ days past due.

Equifax Risk ScoreSM 3.0 — Predicts the probability of seriousdelinquency (90+ days past due) within a 24-month period.

Bankruptcy Navigator Index® 3.0 — Predicts the likelihood ofa consumer filing bankruptcy within a 24-month period.

BEACON® 5.0 — Predicts the likelihood of serious credit riskwithin a 24-month period (including bankruptcies, charge-offs,repossessions, loan defaults, and severe delinquencies).

Equifax Fraud AdvisorSM with Equifax ID Advisor® — Rank-orders fraud risk and identifies high-risk applicants who warrantfurther investigation.

SAFESCAN® — Compares consumer-provided information

against a separate nationwide warning system and alerts you topotentially fraudulent information elements.

The ACRO DatabaseOur consumer credit reports are built from our ACRO database— a national online consumer credit database that maximizesthe return of your requested information and:

• Contains more than 200 million consumer credit files

• Is updated daily with current consumer data

• Is operated using advanced search techniques and matchinglogic

Consumer Referral Section: Access the credit reportingagency address and telephone number that must be used inadverse action notices or declination letters.

Identification Section: Confirm application information withaccess to the consumer’s name, current address, formeraddress, previous former address, birth date, AKA (also knownas), former names, and Social Security number.

Employment Section: Confirm application information withaccess to the consumer’s current employment information aswell as former and previous former employment information.

Summary Line: Get a quick overview of the report (includesoldest date of information, number of accounts and range ofhigh credit amounts).

Public Record and Other Information: Easily spot if theconsumer has seriously delinquent financial situations such asbankruptcies, judgments, tax liens, garnishments, and collectionaccounts from collection agencies.

Inquiries Section: Quickly identify if the consumer is potentiallyat risk of becoming overextended with new accounts that havenot been reported.

Trade Section: Efficiently assess the financial stability,indebtedness and payment history of the consumer — alsovaluable information for skip-tracing.

Reports That Fit Your Specific Business NeedsEquifax maintains an ongoing, continuous improvement approach throughout our business to ensure we always meet and exceed ourcustomers’ expectations. Therefore, different formats of our reports are available to meet our customers’ evolving needs.

STS ePORT InterConnectACROFILE 5.0 Displays information in a clear, concise format Print image

(FFF, FFF/HMR, Print image)ACROFILE Plus 5.0 Displays information in a clear, concise format and Print image

groups the consumer’s 24-month payment history andfinancial totals by trade type (AFP FFF, Print image)

ACROFILE Advanced 5.0 Provides information in an easy-to-read format with an expanded summary section (Print image only)

ACROFILE 6.0 Contains new data elements and refined data fields Print imagein a clear, concise format (FFF, Print image)

ACROFILE Plus 6.0 Contains new data elements and refined data fields Print imagein a clear, concise format and groups the consumer’s 24-month payment history and financial totals by tradetype (AFP, FFF, Print image)

ACROFILE Advanced 6.0 Contains new data elements and refined data fieldsin an easy-to-read format with an expanded summary section (Print image only)

ACROFILE credit reports are available via System-to-System (STS), InterConnect® and Equifax ePORT® (secure Internet delivery).

Improve Your Account Profitability Today!For more information about our database and a free brochure on how to read ACROFILE reports, contact your Equifax representative orcall 1-800-879-1025.

This publication contains many of the valuable trademarks, service marks, names, titles, logos, images, designs, copyrights and other proprietary materials owned, registered and used by EquifaxInc. and its affiliated companies, including but not limited to the registered mark “Equifax”; any unauthorized use of same is strictly prohibited and all rights are reserved by Equifax Inc. and itsaffiliated companies. All other trademarks and service marks not owned by Equifax Inc. or its subsidiaries that appear in this publication are the property of their respective owners. Equifax,Equifax ePORT, ACROFILE, BEACON, Bankruptcy Navigator Index, SAFESCAN, Equifax ID Advisor and InterConnect are registered trademarks of Equifax Inc. Equifax Fraud Advisor andEquifax Risk Score are service marks of Equifax Inc. Copyright © 2007, Equifax Inc., Atlanta, Georgia. All rights reserved. Printed in the U.S.A.

EFS-002-ADV—2/07