Consumer Credit Reporting Companies To Unveil annualcreditreport.com On Dec. 1

Site Provides Consumers Central Location to Request Free Credit Reports

Atlanta , Nov. 23, 2004 - Equifax Inc. (NYSE: EFX) The nation’s three consumer credit reporting companies -- Equifax, Experian and TransUnion -- today jointly announced their centralized credit report request service:

Annualcreditreport.com, to process requests for a free credit file disclosure, beginning on Dec. 1.

The three companies have always encouraged consumers to regularly review their credit reports. Annualcreditreport.com will offer consumers a convenient way to request their credit reports in a secure environment. The site is for exclusive use for consumers requesting their one free credit report every twelve months under the Fair and Accurate Credit Transactions Act (FACT Act).

As established by FACT Act regulations, annualcreditreport.com will become available to U.S. consumers in phases with the first phase commencing on December 1, 2004 for Western U.S. states (Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, New Mexico, Nevada, Oregon, Utah, Washington, and Wyoming).

The remaining U.S. states will be deployed as follows: Mid-Western states – March 1, 2005; Southern states – June 1, 2005; and Eastern states and other U.S. territories completing the rollout on September 1, 2005. A complete map outlining the launch is available at the website.

Annualcreditreport.com, the only service authorized by Equifax, Experian and TransUnion, allows consumers to request, view and print one, two or all three of their free credit reports in a fast and convenient way via a secure Internet site. Consumers should not provide their personal information to any other company or person in connection with requesting free annual credit file disclosures under the FACT Act.

Additionally, the service offers consumers the option of requesting their credit reports by telephone or by mail. Forms to request credit reports by mail can be printed from the site. Telephone and mail requests will be processed within 15 days of receipt.

Internet URL: www.annualcreditreport.com

Toll Free Number: 877-322-8228

Mailing Address:
Annual Credit Report Request Service
P. O. Box 105281
Atlanta, GA 30348-5281