LifeLock 2015 Annual Report Download - page 167

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Equifax Products delivered via API
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The Equifax Credit Report™ is an easy to read summary of the information contained on a consumer's Equifax credit file. Items contained on the Equifax
Credit Report™ include open and closed accounts, inquiries, public records and collections information.
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VantageScore is a general-purpose, tri-bureau credit risk model developed using one algorithm across sample data common to all three national
consumer reporting agencies. The algorithm is applied to the Equifax credit file to provide a 3-digit credit score, ranging from 300 to 850.
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Credit monitoring and alerts reviews an enrolled consumer’s credit file and provides those consumers with alerts related to key credit file changes
including new accounts, inquiries, address change, name change, bankruptcies, liens, and judgements.
Available Equifax alerts:
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Available [***] alerts (subject to continued availability by [***]):
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Available [***] alerts (subject to continued availability by [***]):
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VantageScore monthly score tracker provides a monthly VantageScore (via push service to subscribing customers) calculated from an Equifax credit file
each month for up to the past 12 months.
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The three-bureau Credit Report and three-bureau VantageScores provides credit reports and VantageScores from all three national consumer reporting
agencies (Equifax, Experian, and TransUnion) in a consolidated report that aligns the various items contained within each of the three credit files;
including open and closed accounts, inquiries, public records and collections information, so that the consumer can view any differences in data across
the three credit files.
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Minor Monitoring is an online solution which scans the Equifax credit database for any instances of the minor’s social security number and looks for a
copy of the minor’s credit file. A minor is someone that is under the age of 17 years and 9 months. If no SSN match is found and no credit file exists,
Equifax will create a credit file in the minor’s name and immediately “lock” the credit file. This will prevent access to the minor’s information in the future. If
someone attempts to use the minor’s information to open credit, the parent or guardian will receive an email alert. If there is a match and a credit file
exists, Equifax will immediately “lock” the file, initiate an investigation into the use of that file and alert the parent or guardian to new attempts to use the
minor’s information. Please note this product may only be purchased as an add-on service to products that the parent or guardian have signed up for
first.
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*** Certain information on this page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has
been requested with respect to the omitted portions.
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