I M P O R T A N T N O T I C E:
The CTEST Test Files are available on the Equifax Developer Portal (https://developer.equifax.com/). You will need to register on the developer portal if you do not already have access. Once you have access, please contact the Technical Client Services team at: GPS_Technical_Client_Services_Team@Equifax.com and provide the email address that was used to register on the developer portal and your Equifax test or production member number (i.e. 999AB01234). You will be notified by email once your access has been processed.
IMPORTANT NOTICES:
STATE LAWS RELATING TO MEDICAL DEBT:
In compliance with recently enacted state laws, Equifax will no longer include medical debt for consumers who reside in the following states in consumer credit reports: California, Colorado, Connecticut, Illinois, Maine, Minnesota, New Jersey, New York, Rhode Island, Vermont, Virginia, and Washington.
For residents of these states, medical debt will also not be factored into any Equifax scores or scoring models.
Collections and tradelines identified as medical in nature will be suppressed from the consumer credit file for consumers with a current address in any of these states. Changes will not be made to data in archives.
State-Specific Notes:
- California and Washington: Tradelines for specialty medical credit cards meeting specific criteria will remain on consumer files.
- New Jersey: Tradelines and collections with balances under $500 will be suppressed.
As a result of this change, scores or attributes that utilize medical debt or medical collections could shift for consumers who reside in these states.
For more information, please contact medicaldebtquestions@equifax.