By accessing and using Ascora, you accept and agree to be bound by the terms and provision of this agreement.
Permission is granted to temporarily access the materials on Ascora's website for personal, non-commercial transitory viewing only.
The materials on Ascora's website are provided on an 'as is' basis. Ascora makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
In no event shall Ascora or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Ascora's website.
The materials appearing on Ascora's website could include technical, typographical, or photographic errors. Ascora does not warrant that any of the materials on its website are accurate, complete, or current.
Ascora has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Ascora of the site.
Ascora may revise these terms of use for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms of Service.
These terms and conditions are governed by and construed in accordance with the laws of the United States and you irrevocably submit to the exclusive jurisdiction of the courts in that location.
By using Ascora's services, you acknowledge and agree to the following regarding credit reporting and the Fair Credit Reporting Act (FCRA):
a. Authorization: By clicking "Continue" or otherwise providing written instructions, you explicitly authorize Ascora to obtain your credit report on a recurring basis from one or more of the three nationwide consumer reporting agencies (Equifax, Experian, and TransUnion) for the purpose of confirming your identity and monitoring your credit profile for changes.
b. Written Instructions: Your electronic consent and authorization constitute "written instructions" under the FCRA, as required by 15 U.S.C. ยง 1681b(a)(2).
c. Permissible Purpose: Ascora will obtain your credit information solely for the permissible purposes of identity verification and providing you with credit monitoring services as long as you remain a member of Ascora.
d. Consumer Rights: You have the right to withdraw your authorization at any time by contacting Ascora. You also have rights under the FCRA, including the right to dispute inaccurate information in your credit report directly with the consumer reporting agencies.
e. Recurring Access: Your authorization permits Ascora to obtain your credit report on a recurring basis for as long as you maintain an active account with Ascora, unless you withdraw your authorization.
f. Third-Party Verification: Ascora may use third-party sources, including mobile carrier information, to verify your identity in conjunction with credit report information.
The Fair Credit Reporting Act ("FCRA") allows you to obtain from each national credit reporting agency a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided or requested through the Website or Services are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.
Under the Fair Credit Reporting Act you are entitled to receive an annual free disclosure of your credit report from each of the national credit reporting agencies (i.e. Experian, Equifax and TransUnion).
To obtain the free reports, you can:
You are also entitled to receive a free copy of your credit report from a credit reporting agency if:
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 to dispute inaccurate or incomplete information in your credit file maintained by the credit reporting agencies.
Any Credit Report you request is not intended to constitute the disclosure of information required by the FCRA or similar state laws.
In addition, if you reside in the state of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. If you are a resident of Mississippi, then beginning in 2016, you are entitled to free credit reports for three (3) years. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.