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:
Equifax Annual Change Moratorium Dates for 2025:
Begins on Friday, May 23rd at 08:00 AM ET until Tuesday, May 27th at 21:00 PM ET.
CALIFORNIA, ILLINOIS, AND RHODE ISLAND LAW ON MEDICAL DEBT:
In compliance with recently enacted California, Illinois, and Rhode Island laws, Equifax will no longer include medical debt* for consumers who reside in those states in consumer credit reports. Residents of those states will also not have medical debt factored into any Equifax scores or scoring models.
Collections and tradelines identified as medical in nature will be suppressed from the consumer credit file where the consumer has a current address of California, Illinois, or Rhode Island.
As a result of this change, scores or attributes that utilize medical debt or medical collections could shift for consumers who reside in California, Illinois, or Rhode Island. For more information on this change, please contact medicaldebtquestions@equifax.
*Note: For consumers residing in California, tradelines for specialty medical credit cards meeting specific criteria will remain on consumer files.
CONNECTICUT AND VIRGINIA LAW ON MEDICAL DEBT
In compliance with recently enacted Connecticut and Virginia laws, Equifax will no longer display medical debt on consumer credit reports for consumers who reside in the State of Connecticut or the Commonwealth of Virginia. Residents of the State of Connecticut and Commonwealth of Virginia will also not have medical debt factored into any Equifax scores or scoring models.
Collections and tradelines identified as medical in nature will be suppressed from the consumer credit file where the consumer has a current address of Connecticut or Virginia.
As a result of this change, scores or attributes that utilize medical debt or medical collections could see some shifts for consumers who reside in the State of Connecticut or the Commonwealth of Virginia. For more information on this change, please contact medicaldebtquestions@equifax.
COLORADO LAW ON MEDICAL DEBT
In compliance with a recently enacted Colorado law, Equifax will no longer display medical debt on consumer credit reports for consumers who reside in the State of Colorado. Residents of the State of Colorado will also not have medical debt factored into any Equifax scores or scoring models.
Collections with Account Type Code 48, 77, OC and Original Creditor Classification Code 02 (medical), or Narrative Code 042 (medical) will be suppressed if the current address of the consumer is in the State of Colorado. Equifax analysis shows that this change impacts less than 1 million trades, or .0002% of the total consumer credit database. Changes will not be made to data in archives.
As a result of this change, scores or attributes that utilize medial debt or medical collections could see some shifts for consumers who reside in the State of Colorado. For more information on this change, please contact: medicaldebtquestions@equifax.com.
NEW YORK LAW ON MEDICAL DEBT
In compliance with a recently enacted New York law, Equifax will no longer display medical debt on consumer credit reports for consumers who reside in the State of New York. Residents of the State of New York will also not have medical debt factored into any Equifax scores or scoring models.
Collections and tradelines identified as medical in nature will be suppressed from the consumer credit file where the consumer has a current address of New York.
Equifax analysis shows that this change impacts less than 200,000 New York consumers encompassing less than 350,000 medical collections and tradelines, representing less than 0.0001% of the total consumer credit database. Changes will not be made to data in archives.
As a result of this change, scores or attributes that utilize medical debt or medical collections could see some shifts for consumers who reside in the State of New York. For more information on this change, please contact: medicaldebtquestions@equifax.