Terms of Service Change History

The new version explicitly states that users can cancel their account by calling Customer Care at 1-855-962-6943, and may also be able to deactivate paid services online while retaining their account. The previous version did not clearly outline these cancellation options.

Effective: August 31, 2026

The new version explicitly includes 'cloud service providers' as part of ECS's third-party service providers who may access user data. This broadens the scope of entities that may handle user information and credit data beyond what was previously stated.

Effective: August 31, 2026

The new version includes expanded language detailing that users provide 'written instructions' under the FCRA for ECS to obtain credit reports and scores on a recurring basis, and explicitly authorizes sharing of information with unaffiliated third parties for credit opportunities. This is more detailed than typical previous disclosures.

Effective: August 31, 2026

The new version includes a prominent 'Revised August 31, 2026' notice at the top, making the effective date of the agreement changes explicit to users.

Effective: August 31, 2026