BankCredits Inc.

MEMBER LOGIN

Member ID
Password
Login help

NEW MEMBER?

First report for free, each next only $10.99

Get your FREE Credit Report now

WHAT IS OUR COMMITMENT TO YOU?
While information is the foundation for providing you with superior service, protecting the privacy of your personal information is of highest importance to us. We believe that responsible stewardship of the information entrusted to us is crucial in developing and maintaining the public trust essential for our continued success. We are sensitive to your privacy concerns, and are committed to letting you know what information is being collected on our web sites, how the information is being used and what choices you have regarding the collection and use of the information.

WHAT TYPES OF INFORMATION DO WE COLLECT ABOUT YOU AND HOW DO WE USE OR SHARE THIS INFORMATION?
The primary reason we collect personal and credit information about you is to provide products and services that you have requested and to enroll you into our membership services. The type of information we collect, and the primary purpose for which it is collected includes:

Required product registration information such as name, address, social security number, and date-of-birth, is utilized to establish your membership or one-time transaction record and to verify your identify. We require this verification in order to provide you with your personal credit information.
Credit information we receive from credit reporting agencies is utilized to provide you with the products and services we offer.
Billing information, such as credit card number, is required to process the payment for the products and services you order from us.
Other information we collect, such as city of birth and mother's maiden name, is used to verify your identity in the event you forget your identification or password required for our Credit Manager membership service. E-mail address is collected and used to send you notifications and our latest e-newsletter via electronic mail.
Credit information you provide to us, such as a personal account that is not contained in your credit report, is utilized in conjunction with our Credit Manager membership service to provide you a more complete assessment of your overall credit standing. Any additional credit information you provide to us is not added to your credit report.

We may disclose all of the information that we collect as described above.

DO WE SHARE INFORMATION WITH THIRD PARTIES?
We may disclose any of the information that we collect to our affiliated companies. Except as provided below, we do not share information with any non-affiliated third party. When identifying methods of improving our products and services or if we think a product may be of interest to you, we may arrange to extend offers of goods or services to you either directly or through our affiliates.

In addition, we may disclose all of the information we collect, as described above, to companies that perform services on our behalf such as credit card processors, data management firms or call center providers. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.

Our Web site may contain links for other offers and services that we feel you may have an interest in. We believe these sites share a similar commitment to consumer privacy and urge you to review their privacy policy when visiting their sites. We cannot, however, be responsible for their privacy practices.

OFFERING YOU CHOICES- MARKETING OPTIONS
You have choices when it comes to learning about new offers or services you can use to help meet your financial management goals. If you do not wish to receive offers of products or services, here are the methods in which you can opt out:

New Registration Opt-out Option: During registration for the purchase of a Credit Report and Score, you may select to opt out in the "Marketing Options" section on the registration page.
Current Member Opt-out Option: If you are enrolled in a membership service, you may opt out on the Log In or Member Profile page, in the Marketing Options section. You may exercise this opt out choice at any time during your membership.

WHAT IS OUR POLICY RELATING TO FORMER CUSTOMERS?
Our policy regarding the collection and use of information about former customers is the same as those regarding the collection and use about existing customers (refer to section titled What types of personal information do we collect about you and how do we use this information?). Over time, information about former customers is used less and less and may ultimately be removed from our records.

HOW DO WE PROTECT YOUR INFORMATION?
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

We protect your information over the Internet by using a secure web server, which allows web browser programs (Netscape or Microsoft Internet Explorer) to interact with our web server via an encrypted session. The 128 bit encrypted connection scrambles ordinary text or data into cyphertext to safeguard sensitive information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination. Depending on which browser you use, you will know you are in secured area by "https" or a lock appearing on 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.

PRIVACY POLICY CHANGES
We reserve the right to change this privacy policy at any time. You have agreed to obtain annual notices of, and changes to, this privacy policy electronically by visiting this website. Therefore, we encourage you to review this privacy policy from time to time to review any changes in our information sharing practices.
Please note: This privacy policy applies only to this on-line website and application(s). It does not apply to any products or services offered through other channels.