| Credit
Bureau
Statement of Privacy
Since we were founded, Credit Bureau has tried to help its customers
retain their privacy while they take advantage of all the Internet has to
offer. We are committed to protecting your privacy and developing
technology that gives you the most powerful, safe, online experience that
you can get anywhere. If you have questions about this, please write us at
privacy@creditbureau.org.
The Credit Bureau Privacy Policy
Credit Bureau has adopted stringent privacy protocols to protect the confidentiality
of personal credit information maintained in its database. All products and services are
measured against these protocols. They are intended to enhance consumer trust and faith in
the system. Credit Bureau and all of its associates take their responsibilities seriously.
The company bases its policies and operations on the highest ethical standards so that it
will not breach this trust.
Credit Bureau will:
- Recognize and respect consumer privacy concerns and expectations.
- Credit Bureau recognizes that as more personal data becomes available in the marketplace
through consumer initiated transactions, consumers have a legitimate concern about how the
information is used. We are mindful of and carefully consider the privacy concerns of
consumers whenever information is requested by our customers.
- Limit access to information in Credit Bureau's database to companies that have a legal
permissible purpose to receive it.
- Consumer reports are available only to customers who have a permissible purpose, as
described in the Fair Credit Reporting Act. We are aware of consumer concerns about the
nature and quantity of information that is disclosed. We vigorously verify how our
customers use the information and require, to the limit of our ability, their compliance
with the law.
- Balance the amount of information customers receive with their need for the
information and the consumer benefit.
- We limit the type of information that we disclose to customers based on the balance
between their needs, permissible purpose and the likely consumer benefit. Credit grantors
making decisions about credit applications may receive a full credit report; customers who
use the information for employment purposes receive a condensed report; and direct
marketers receive no personal financial data.
- Use the most effective security measures available to prevent unauthorized access to
the database.
- We have established passwords and codes; suppressed account numbers on reports; use
private, dedicated phone lines for communications; and use other security measures to
prevent unlawful intrusions into the database.
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- Browser Security
Applying for a
credit card or ordering your credit report is
not only fast, it's safe. We serve thousands of customers nationwide,
every day.
Your online communication with us is made possible
by your computer's web browser, which plays a critical role in the
security of every transaction. Our security system meets the highest
standards, supporting browsers that use Secure Sockets Layer (SSL) 3.0 or
higher for encryption. Encryption protects your private information so it
can't be intercepted and read. When you go to a site that requires
encryption, your browser will display a key or a lock. If you are not in a
secured area, the key or lock will be broken.
Securing your personal information.
In order to offer you a credit card application
online, we need some basic facts about you. Be assured that your personal
information is used only to offer you the best credit card possible, and
is not shared outside of the issuing bank (except as detailed in the Disclosures
section of the credit card application). Information you provide via this
website, including e-mail, is protected and will be kept strictly
confidential.
Maintain opt-out procedures that allow consumers to
be removed from Credit Bureau lists.
We believe consumers should have the right to make informed decisions about the use of
their personal data, including the right to be removed from direct marketing lists.
Consumers have the right to choose if they want the opportunity to shop at home, evaluate
competing credit offers or receive other types of promotions in the mail. At every
consumer contact, we will notify consumers of their right to opt-out. We encourage our
customers to do the same. We provide an address and an 800-number that consumers can use
to exercise this privilege.
Assure that information can only be used for legal and ethical purposes.
Credit Bureau has strict guidelines prohibiting the use of our data for making offers that
are offensive, pornographic, or in bad taste.
Maintain constant vigilance to assure compliance with these principles, including
internal compliance audits and regular reviews of customer access and security procedures.
Credit Bureau uses internal compliance audits, continually reviews procedures, and
monitors its products and services to be responsive to consumer privacy issues. These are
the principles and procedures observed by Credit Bureau to ensure the proper use of
consumer credit information and to safeguard the privacy of every individual.
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