Last updated February 25, 2020

This Cookie Policy explains how Credit Reporting Services LLC ("Company", "we", "us", and "our") uses cookies and similar technologies to recognize you when you visit our websites at, ("Websites"). It explains what these technologies are and why we use them, as well as your rights to control our use of them.

In some cases, we may use cookies to collect personal information or that becomes personal information if we combine it with other information.

What are cookies?

Cookies are small data files that are placed on your computer or mobile device when you visit a website.
Cookies are widely used by website owners to make their websites work or to work more
efficiently, as well as to provide reporting information.

Cookies set by the website owner (in this case, Credit Reporting Services LLC) are called “first party
cookies.” Cookies set by parties other than the website owner are called “third-party cookies.” Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g. like
advertising, interactive content, and analytics). The parties that set these third-party cookies can recognize
your computer both when it visits the website in question and also when it visits certain other websites.

Why do we use cookies?

We use first and third-party cookies for several reasons. Some cookies are required for technical reasons for our Websites to operate, and we refer to these as “essential” or “strictly necessary” cookies.
Other cookies also enable us to track and target the interests of our users to enhance the experience on
our Online Properties. Third parties serve cookies through our Websites for advertising, analytics, and other
purposes. This is described in more detail below.

The specific types of first and third-party cookies served through our Websites and the purposes they
perform are described below (please note that the specific cookies served may vary depending on the
specific Online Properties you visit).

How can I control cookies?

You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by
setting your preferences in the Cookie Consent Manager. The Cookie Consent Manager allows you to
select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are
strictly necessary to provide you with services.

The Cookie Consent Manager can be found in the notification banner and on our website. If you choose to
reject cookies, you may still use our website though your access to some functionality and areas of our
website may be restricted. You may also set or amend your web browser controls to accept or refuse
cookies. How you refuse cookies through your web browser control vary from
browser to browser, you should visit your browser’s help menu for more information.

In addition, most advertising networks offer you a way to opt-out of targeted advertising. If you would like to
find out more information, please
visit or

Essential website cookies:

These cookies are strictly necessary to provide you with services available through our Websites and to
use some of its features, such as access to secure areas.


Analytics and customization cookies:

These cookies collect information that is used either in aggregate form to help us understand how our
Websites are being used or how effective our marketing campaigns are, or to help us customize our
Websites for you.

Unclassified cookies:

These are cookies that have not yet been categorized. We are in the process of classifying these cookies
with the help of their providers.


Essential website cookies:

These cookies are strictly necessary to provide you with services available through our Websites and to
use some of its features, such as access to secure areas.

What about other tracking technologies, like web beacons?

Cookies are not the only way to recognize or track visitors to a website. We may use other, similar
technologies from time to time, like web beacons (sometimes called “tracking pixels” or “clear gifs”). These
are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited
our Websites or opened an e-mail including them. This allows us, for example, to monitor the traffic
patterns of users from one page within a website to another, to deliver or communicate with cookies, to
understand whether you have come to the website from an online advertisement displayed on a third-party
website, to improve site performance, and to measure the success of e-mail marketing campaigns. In many
instances, these technologies are reliant on cookies to function properly, and so declining cookies will
impair their functioning.

Do you use Flash cookies or Local Shared Objects?

Websites may also use so-called “Flash Cookies” (also known as Local Shared Objects or “LSOs”) to,
among other things, collect and store information about your use of our services, fraud prevention, and for
other site operations.

If you do not want Flash Cookies stored on your computer, you can adjust the settings of your Flash player
to block Flash Cookies storage using the tools contained in the Website Storage Settings Panel. You can
also control Flash Cookies by going to the Global Storage Settings Panel and following the instructions
(which may include instructions that explain, for example, how to delete existing Flash Cookies (referred to
“information” on the Macromedia site), how to prevent Flash LSOs from being placed on your computer
without your being asked, and (for Flash Player 8 and later) how to block Flash Cookies that are not being
delivered by the operator of the page you are on at the time).

Please note that setting the Flash Player to restrict or limit acceptance of Flash Cookies may reduce or
impede the functionality of some Flash applications, including, potentially, Flash applications used in
connection with our services or online content.

Do you serve targeted advertising?

Third parties may serve cookies on your computer or mobile device to serve advertising through our Websites. These companies may use information about your visits to this and other websites to provide relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements. This can be accomplished by them using cookies or web beacons to collect information about your visits to this and other sites to provide relevant advertisements about goods and services of potential interest to you. The information collected through this process does not enable us or them to identify your name, contact details, or other details that directly identify you unless you choose to provide these.

How often will you update this Cookie Policy?

We may update this Cookie Policy from time to time to reflect, for example, changes to the cookies
we use or for other operational, legal, or regulatory reasons. Please, therefore, re-visit this Cookie Policy
regularly to stay informed about our use of cookies and related technologies.

The date at the top of this Cookie Policy indicates when it was last updated.


Where can I get further information?

If you have any questions about our use of cookies or other technologies, please mail us at
[email protected] or by post to:

  • Credit Reporting Services LLC
  • 1024 Iron Point Rd
    Folsom, CA 95630
  • United States
  • Phone: (888) 737-8852