RESIDENTIAL SCREENING AGREEMENT

1. Services to be Provided by VSSI

A. Upon request and relying upon Client’s representations that it has a legitimate purpose for information, VSSI will provide consumer reports to the Client.  VSSI will only furnish a report for a permissible purpose under the Fair Credit Reporting Act, 15 U.S.C. §1681 et seq. (“FCRA”) and no other purpose.

B. Periodically and upon request, VSSI will provide to Client copies of certifications, consumer consents, notices and summary of rights under the FCRA as well as other forms which VSSI finds helpful in meeting its obligations under the FCRA and other applicable laws. Client acknowledges receipt of the Federal Trade Commission Notice of Consumer’s Rights and Notice to Users.

2. Representations of Client when ordering reports

A. Client represents that it is an existing business with the legitimate need for consumer reports offered by VSSI.  The nature of Client’s business is Tenant Screening.  Client specifically represents that reports will only be obtained for its own one time use and it is the end user of the reports.  However, if Client is a property manager, it may share reports as a joint use with the owner or management of the property being leased to the subject of the report.  It will not further distribute, sell, give or trade such information with any third party.  Notwithstanding the above, Client may share a report, except credit, for joint use as described in Section 2D below.  Client will request and use reports for the following permissible purpose only: residential screening for a transaction initiated by the subject of the report.

B. Client represents that prior to requesting a report for residential/screening purposes, it will:

(i) disclose to the individual who is the subject of the report that a consumer report or, as applicable, an investigative consumer report, may be obtained;

(ii) provide to the individual a summary of the individual’s rights under the (“FCRA”); and

(iii) not utilize any information in violation of any federal or state equal housing law or regulation.

(iv) provide after taking adverse action e.g., rejecting, increasing rental rates, etc. against the subject of the report, based in whole or in part upon information contained in a report furnished by VSSI, the Client shall:

(a) provide notice of such action to the individual;

(b) provide the name, address and telephone number of VSSI;

(c) inform the individual that he/she is entitled to a free copy of the report and a right to dispute the record through VSSI and that VSSI is unable to provide the individual the specific reasons why the adverse action was taken by you; and

(d) providing a copy of the individual’s rights under the FCRA.

(v) that it will comply with the FCRA and similar state laws, in regard to all reports.

(vi) Client will maintain documentation showing compliance with these certifications for a period of six (6) years or during the tenancy of the subject, whichever is longer.

C. Client represents that, if it orders credit reports, it will have a policy and procedures in place to investigate any discrepancy in a consumer’s address when notified by the credit bureau that the consumer’s address, as submitted by the client, substantially varies from the address the credit bureau has on file for that consumer.  Further, if client grants tenancy to the consumer and in the ordinary course of its business it furnishes information to the credit bureau from which the report came, that it will advise the credit bureau of the address it has verified as accurate if that address is different from the one provided by the credit bureau.

D. Client may share reports with another entity for joint use.  The FCRA permits end users of consumer reports to share the consumer report with another entity if Client and the other entity will use the report for the same transaction and for the same purpose.  Examples include:  a property manager sharing a report with its landlord with whom the consumer will be placed.  This example are not exclusive, but demonstrate the acceptable “joint use” that is permitted.  However, prior to sharing a consumer report, Client on behalf of VSSI will determine and verify the identity of the joint user and that such joint user shares the same permissible purpose for use of the consumer report as does Client and the joint user will only use the consumer report for this one transaction with Client.  This Agreement is a certification by Client that any joint user is a legitimate business and will use the report for the same permissible purpose Client represents to VSSI when ordering the consumer report(s) on the individual consumer or as provided in Section 2 of this Agreement.  Client agrees to indemnify and hold VSSI harmless from any claims, liability or losses asserting that the joint use was improper in any way, violated the FCRA or otherwise, and additionally, if the joint user used the consumer reports for any reason than as represented by Client to VSSI.  Such indemnification includes all costs, expenses and reasonable attorney fees incurred by VSSI.

3. Compliance with Applicable Law

A. The laws relating to the furnishing and use of information are subject to change.  It is the responsibility of Client to become knowledgeable in such laws and to comply with them.  The failure to comply with the then current applicable law may result in a breach of this agreement, termination of service, civil and criminal liability.  VSSI does not undertake any obligation to advise Client of its legal obligations.  Client acknowledges receipt of the Notice to Users created by the Federal Trade Commission.

B. VSSI does not act as legal counsel for Client.  Client is responsible for retaining counsel to advise it regarding proper use of consumer reports; compliance with the FCRA, the Driver Privacy Protection Act, 18 U.S.C. §2721 et seq (“DPPA”) and other applicable federal, state and local laws; and  development of an appropriate screening program for Client’s use of consumer reports.

C. Client agrees to promptly execute and return to VSSI all documentation required, now or in the future, by any government agency or VSSI to permit release of information or to ensure compliance with applicable laws or regulations.  Such documentation shall become part of this agreement.  The failure to return such documentation will result in Client being blocked from receiving the information related to the documentation, and, in some circumstances, all service may be terminated without additional notice.

D. Client consents to any reasonable request by VSSI to audit records of the Client and to communicate with employees of the Client, with notice to Client, to determine the appropriateness of any present or past request(s) for information and legal compliance by Client.

4. Fees for Services

A. VSSI will charge a fee for each request made by Client, in accordance with VSSI’s current fees schedule.  VSSI reserves the right to change the fees charged upon thirty (30) days notice to Client.  Applicable sales or other taxes will be added to all fees.  Client understands that VSSI may incur access charges imposed by courts and other governmental agencies which are passed along to Client in addition to fees.  These costs are subject to change without notice.

B. VSSI will bill Client monthly.  Payment on all invoices will be due thirty (30) days after billing.  For any invoice not paid within thirty (30) days, VSSI will add and collect a SERVICE CHARGE of one and a half percent (1½%) per month (or the maximum permitted by applicable law, if lower) with a minimum service charge of $2.  Client agrees to pay VSSI’s reasonable attorney’s fees and costs incurred in enforcing the terms of this Agreement and in the collection of amounts due under this Agreement.

5. Confidentiality of Information

A. Information provided by VSSI to its Clients is considered confidential by law.  Upon its receipt, Client shall treat the information as confidential.  Such information shall be maintained in confidential files to which access is restricted.  Only those employees who need such information to perform their job duties shall have access to the same.  Client shall ensure that such employees shall not attempt to obtain any consumer reports on themselves, family, friends or associates except in the exercise of their official duties.  Client shall supply to VSSI the name and phone number of the contact person or persons with whom VSSI may discuss the contents of reports furnished to Client.  At the time that Client disposes of any report received it shall cause such to be destroyed by shredding or burning as required by regulations issued by the Federal Trade Commission.

B. Client acknowledges that it will receive personal identifying information on the subjects of the reports it receives.  Client shall maintain reasonable procedures to protect the information from unauthorized internal or external access.  Within 30 days of the execution of this Agreement, Client will outline its protections in regard to the receipt, usage and storage of this information.  Client shall, upon request, advise us of the status of Client’s security measures.  If Client experiences a breach of security regarding this information or discontinues any security measure, Client shall notify us within 24 business hours of the breach or discontinuance.  Within seven (7) business days of such an event, Client shall advise us what steps have been taken to protect the information from the reoccurrence of the breach or to restore protection of the information.

6. Waiver and Release

A. Client acknowledges that VSSI relies totally on the information furnished by others.  VSSI also relies on the information contained in the records of various governmental agencies for other reports.  VSSI is not responsible for inaccurate or false information.  Client agrees to assert no claim and waives liability against VSSI for any inaccurate or false information included in any report unless VSSI had actual knowledge of the error and failed to correct it if it had the legal ability to alter such information.

B. Client agrees to hold VSSI harmless and will indemnify VSSI from all claims and losses resulting from Client’s breach of this Agreement or violation of any applicable law.  VSSI agrees to hold Client harmless for all claims and losses arising from VSSI violation of any applicable law.  Such indemnifications include all costs and reasonable attorney fees incurred by the indemnified party.

C. If the party seeking indemnification proposes to settle any claim it believes is subject to indemnification, it must notify the indemnifying party of such settlement and the indemnifying party must approve such settlement.  Such approval shall not be unreasonably withheld.  The indemnifying party can also disapprove of such settlement on the basis that the claim is not within those claims or losses covered by the indemnification.  If the indemnifying party accepts the request to indemnify, but disagrees with the settlement amount, the indemnifying party shall take over the defense of the claim.

7. Misuse of Information

The FCRA prohibits the obtaining of information from a consumer reporting agency for an impermissible purpose. Further, those involved in such improper requesting may be subject to criminal penalties of imprisonment up to two years and/or a fine of $5,000 for each offense.  15 U.S.C. § 1681q.   However such punishments are subject to change as the FCRA is amended.  If a Client or one of its employees misrepresents to VSSI the reason for a report or requests a report for an impermissible purpose, VSSI may terminate service without notice in addition to other remedies available to VSSI.  Client understands that its misuse of or improper request for information may have a direct impact upon VSSI and may cause it to be unable to obtain information for any of its clients resulting in substantial damages for which Client would be liable.

8. Termination of Agreement

A. Client may terminate this Agreement at any time upon written notice to VSSI.  Client will remain liable for all charges made to its account prior to termination and will promptly pay all sums due on termination.

B. VSSI may terminate this agreement by providing a sixty (60) day written notice but upon the occurrence of the following events, VSSI may, immediately and without notice terminate this Agreement or suspend service:

(i) Default in payment of charges for VSSI ;

(ii) Misuse of information contained in a VSSI report;

(iii) Improper request for information;

(iv) Failure of Client to comply with or assist VSSI in complying with the FCRA or any other applicable law;

(v) A material breach of this Agreement or violation of any law or regulation governing the request, use or release of the information in the reports by Client.

(vi) Unauthorized release of information in a consumer report to a third party or the reselling of any report.

9. Notice of Change in Client’s Business

Client shall immediately notify VSSI of any of the following events: change in ownership of the Client (over 50%); a merger, change in name or change in the nature of Client’s business that in any way affects Client’s right to request and receive consumer reports.

10. Miscellaneous Provisions

A. This Agreement constitutes the entire understanding between the parties and supersedes all previous agreements, negotiations and representations.  This Agreement may only be modified in writing signed by both parties; however, subsequent representations by Client to show compliance with existing or future laws are effective when signed by Client and become a part of this Agreement. This Agreement is for the exclusive benefit of the parties hereto and no benefit is intended for any third party.

B. All communications and notices to be given under this Agreement will be made to the addresses and telephone numbers set forth herein.  Each party will notify the other promptly of any change of address or telephone number.

C. This Agreement is intended to be subject to, and in compliance with, all applicable state and federal statutes and regulations.  Insofar as this Agreement or any provision may subsequently be determined to be at variance or not in compliance with any such statute or regulation, it will be considered to be amended or modified to the extent necessary to make it comply, and VSSI and Client hereby consent and agree to any such amendment or modification.  Further, the invalidity of any one provision shall not affect the validity of the other provisions.

D. This Agreement is deemed to have become effective and to have been entered into upon its acceptance in the State of Florida by VSSI.  Therefore, this Agreement will be interpreted and enforced in accordance with the laws of the State of Florida without reference to its conflict of laws provisions.

CREDIT BUREAU ADDENDUM

Whereas End-User desires to obtain credit reports and other types of reports available from credit bureaus; and

Whereas the credit bureaus have specific requirements for the End-Users of reports among which are an agreement to their specific terms and conditions; and

Whereas End-User agrees to the following to obtain the following products provided by a National Credit Bureau:

Report                                Bureau

1. Credit Report, Fico Score_________ __ _TransUnion___________

 

Therefore the parties agree as follows:

1. The services to be provided to End-User:

A. Upon request and relying upon End User’s representation, that it has a legitimate purpose(s) for the information.  VSSI will provide credit reports and other reports available from a National Credit Bureau to the End-User when available.  VSSI will only furnish a report for employment or tenant screening purposes under the Fair Credit Reporting Act (“FCRA”) 15, U.S.C. §1681 et seq. and for no other purposes.

B. Periodically and upon request, VSSI will provide to End-User copies of certification, consumer consents, notices and summary of rights under the FCRA, as well as other forms which VSSI or the National Credit Bureau finds helpful in meeting obligations under the FCRA and other applicable laws.

2. Certification of use by End-User.

End-User hereby represents that it will only seek credit reports for Tenant screening including condominiums.

3. Special Conditions Regarding Credit Reports.

End-User acknowledges that additional requirements exist in regard to it obtaining credit reports:

(i) End-User agrees, if required by the National Credit Bureau, to allow an onsite inspection of its facilities wherein interviews and/or photographs will be taken.  End-User also understands that follow-up or periodic onsite inspections may be necessary and End-User must cooperate fully with such inspections or lose the ability to order credit reports.

(ii) End-User understands the sensitivity of the credit information of individuals that it will be receiving.  As such, the National Credit Bureau requires minimum security measures.  End-User agrees to abide by the security requirements set forth in Attachment “A”.  End-User understands and agrees that security requirements may change from time to time and that if End-User desires to continue to receive credit reports, it will accept and abide by any new security requirements set forth by the National Credit Bureau and/or VSSI.

(iii) To insure compliance with the security requirements, VSSI will require that End-User, within thirty (30) days of execution of this Addendum, certify to VSSI that End-User is in compliance with the security measures outlined in Attachment “A”.  VSSI will seek recertification of compliance with security requirements annually.  End-User must be in compliance and provide such certifications in order to continue to receive credit reports.  In addition, End-User agrees if it receives information from the Death Master File.  End-User certifies that it meets the qualifications of a Certified Person under 15 CFR Part 1110.2 and that its access to the DMF is appropriate because:

a. Certified Person:  End-User has a legitimate fraud prevention interest, or has a legitimate business purpose pursuant to a law, governmental rule, regulation or fiduciary duty, and shall specify the basis for so certifying; and

b. Security:  End-User has systems, facilities, and procedures in place to safeguard the accessed information; experience in maintaining the confidentiality, security, and appropriate use of the accessed information, pursuant to requirements similar to the requirements of section 6103(p)(4) of the Internal Revenue Code of 1986; and agrees to satisfy the requirements of such section 6103(p)(4) as if such section applied to End-User; and

c. End-User shall not disclose information derived from the DMF to the consumer or any third party, unless clearly required by law.

d. Penalties:  End-User acknowledges that failure to comply with the provisions above may subject Reseller to penalties under 15 CFR 1110.200 of $1,000 for each disclosure or use, up to maximum of $250,000 in penalties per calendar year.

e. Indemnification and Hold Harmless:  End-User shall indemnify and hold harmless the National Credit Bureau and the U.S. Government/NTIS from all claims, demands, damages, expenses, and losses, whether sounding in tort, contract or otherwise, arising from or in connection with End User’s, or End User’s employees, contractors, or subcontractors, use of the DMF.  This provision shall survive termination of the Agreement and will include any and all claims or liabilities arising from intellectual property rights.

f.  Liability:

a. Neither TransUnion nor the U.S. Government/NTIS (a) make any warranty, express or implied, with respect to information provided under this Section of the Policy, including, but not limited to, implied warranties of merchantability and fitness for any particular use; (b) assume any liability for any direct, indirect or consequential damages flowing from any use of any part of the DMF, including infringement of third party intellectual property rights; and (c) assume any liability for any errors or omissions in the DMF.  The DMF does have inaccuracies and NTIS and the Social Security Administration (SSA), which provides the DMF to NTIS, does not guarantee the accuracy of the DMF.  SSA does not have a death record for all deceased persons.  Therefore, the absence of a particular person on the DMF is not proof that the individual is alive.  Further, in rare instances, it is possible for the records of a person who is not deceased to be included erroneously in the DMF.

b. If an individual claims that SSA has incorrectly listed someone as deceased (or has incorrect dates/data on the DMF), the individual should be told to contact their local Social Security office (with proof) to have the error corrected.  The local Social Security office will:
i.  Make the correction to the main NUMIDENT file at SSA and give the individual a verification document of SSA’s current records to use to show any company, recipient/purchaser of the DMF that has the error; OR,

ii. Find that SSA already has the correct information on the main NUMIDENT file and DMF (probably corrected sometime prior), and give the individual a verification document of SSA’s records to use to show to any company subscriber/purchaser of the DMF that had the error.

(iv) If End-User experiences a security breach, possibly involving information supplied by VSSI, End-User shall notify VSSI within twenty four (24) business hours of the breach and inform VSSI of the nature of the breach, what steps End-User is taking to follow notification requirements and investigating the cause of the breach.  End-User will continue to advise VSSI and/or the National Credit Bureau of the progress of any investigation, providing an explanation of how the breach occurred and how the breach will be avoided in the future.  VSSI retains the right to suspend service until it receives information that reassures it that information can be securely sent to End-User.

4. Nature of End-User’s Business.

End-User’s business must be in the realm of permissible purpose as defined by the FCRA.

5. Representation of Client when ordering reports.

End-User reaffirms its representations in underlying Service Agreement and addendums thereto and represents:

A. End-User represents that prior to requesting a report for employment purposes (including contractors and volunteers), it will:

(i) disclose to the individual who is the subject of the report that a consumer report or, as applicable, an investigative consumer report, may be obtained;

(ii) obtain the written consent of the individual before ordering a report allowing the obtaining of the consumer report;

(iii) provide to the individual a summary of the individual’s rights required under the (“FCRA”) and any applicable state law; and

(iv) not utilize any information in violation of any federal or state equal employment opportunity law or regulation.

(v) that a reasonable amount of time prior to taking adverse employment action against the individual who is the subject of the report, when such action will be based in whole or in part upon the information contained in the report furnished by VSSI, the End-User will, except as otherwise provided by law, advise the subject of the intent to take adverse action and provide a copy of the report to the individual and a description, in writing, of the individual’s rights under the FCRA.

(vi) that after taking adverse action based in whole or in part upon information contained in a report furnished by VSSI, the End-User shall:

(a) provide notice of such action to the individual;

(b) provide the name, address and telephone number of VSSI; and

(c) inform the individual that he/she is entitled to a free copy of the report and a right to dispute the record through VSSI and that VSSI is unable to provide the individual the specific reasons why the adverse action was taken by you.

(vii)  that it will comply with the FCRA and similar state laws, in regard to all reports, it will follow the requirements of the (“DPPA”) and the various state laws implementing the DPPA in regard to motor vehicle reports.

B. End-User represents that prior to requesting a report for residential screening purposes, it will:

(i) disclose to the individual who is the subject of the report that a consumer report or, as applicable, an investigative consumer report, may be obtained;

(ii) provide to the individual a summary of the individual’s rights under the (“FCRA”); and

(iii) not utilize any information in violation of any federal,  state or local equal housing law or regulation.

(iv) that after taking adverse action e.g., rejecting, increasing rental rates, increasing deposit requirements, etc. against the subject of the report, based in whole or in part upon information contained in a report furnished by VSSI, the End-User shall:

(a) provide notice of such action to the individual;

(b) provide the name, address and telephone number of VSSI;

(c) inform the individual that he/she is entitled to a free copy of the report and a right to dispute the record through VSSI and that VSSI is unable to provide the individual the specific reasons why the adverse action was taken by you; and

(d) providing a copy of the individual’s rights under the FCRA.

C. End-User understands that the purpose for each report must be indicated with each order.  The law restricts what information may be provided to the user depending upon the purpose identified.  Accuracy in identifying the purpose is critical.

D. Merged Reports:

(i) All Merged Reports must contain the date the report was created, the Reseller’s name, address, and phone number as the consumer reporting agency that prepared the Merged Report, the names of the entities from which the information was obtained and the End-User that ordered the Merged Report.  All Merged Reports must also accurately reflect all elements of tradeline or credit grantor information for each tradeline.

(ii) Reseller shall retain a copy of each Merged Report produced in order to provide a consumer disclosure where required by law including, but not limited to those instances where a consumer is denied credit based on information found in a Merged Report, in which case the consumer must be referred to the Reseller for a disclosure.  Reseller must maintain the ability to identify the source(s) from which each element of data from the Merged Report was obtained and clearly identify such source(s) on each consumer disclosure.  On such a consumer disclosure, Reseller shall provide the names, addresses and telephone numbers of the consumer reporting agencies that were used to provide information for the Merged Report.

6. Reports other than Credit.
A. Trade House Data.  End-User understands that all the employment information is provided by third party employers and neither THD nor VSSI has any control over the content of the information.  End-User agrees that it will assert no claim against TDH, VSSI, their officers, directors, employees, agents, attorneys or insurers thereof, arising out of any assertion that information for a former employer provided inaccurate, false, out of date or fraudulent information.

B. End-User agrees, per attached Certification, Exhibit “A”, that it will provide not only the FCRA Summary of Rights to the consumer at the time of obtaining the consumer’s authorization for the report, it will also provide any state or local required notice.  In specific, End-User certifies that it will provide the Vermont consumer notice as set forth in Exhibit “A” without any modification of its language.

C. Trans Union Scores:  For those End-Users that wish to receive TransUnion Scores (“Scores”), the agreement between Reseller and End-User must also contain the following language:

(i) End-User will request Scores only for End-User’s exclusive use.  End-User may store Scores solely for End-User’s own use in furtherance of End-User’s original purpose for obtaining the Scores.  End User shall not use the Scores for model development or model calibration and shall not reverse engineer the Score.  All Scores provided hereunder will be held in strict confidence and may never be sold, licensed, copied, reused, disclosed, reproduced, revealed or made accessible, in whole or in part, to any Person, except (a) to those employees of End-User with a need to know and in the course of their employment; (b) to those third party processing agents and other contractors of End-User who have executed an agreement that limits the use of the Scores by the third party only to the use permitted to End-User and contains the prohibitions set forth herein regarding  model development, model calibration, reverse engineering and confidentiality; (c) when accompanied by the corresponding reason codes, to the consumer who is the subject of the Score; (d) to government regulatory agencies; or (e) as required by law.

D. Trans Union Reference Services:  End-User certifies that End-User shall use the References Services solely for End-User’s exclusive one-time use and shall hold such Reference Services in strict confidence.  End-User shall not request, obtain or distribute Reference Services for any other purpose including, but not limited to, for the purpose of selling, leasing, renting or otherwise in any service which is derived from the Reference Services.  The Reference Services shall be requested by, and disclosed by End User only to End-User’s designated and authorized employees having a need to know and only to the extent necessary to enable End-User to use the Reference Services in accordance with this Agreement.  End-User shall ensure that such designated and authorized employees shall not attempt to obtain any Reference Services on themselves, associates, or any other person except in the exercise of their official duties.

E. End-User will maintain copies of all written authorizations for a minimum of five (5) years from the date of inquiry.

F. With just cause, such as violation of the terms of the End User’s contract or legal requirement, or a material change in existing legal requirements that adversely affects the End-User’s agreement, Reseller may, upon its election, discontinue serving the End-User and cancel the agreement immediately.

G. Prior to delivering CRD Reference Services to an End User, Reseller must also include the following language in its service agreement with End-User:

(i) End-User is a [insert type of business] and certifies it is obtaining CRD Reference Services for the following purpose as being encompassed by Section (6802)(e) of the Gramm-Leach-Bliley Act, Title V, Subtitle A, Financial Privacy (15 U.S.C. §6801-6809) (“GLBA”) and the United States Federal Trade Commission rules promulgated thereunder and no other purpose.  End-User certifies its purpose(s) as:

(a) Necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with servicing or processing a financial product or service requested or authorized by the consumer;

(b) Necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with maintaining or servicing the consumer’s account with Subscriber and Subscriber is a financial institution;

(c) With the consent or at the direction of the consumer;

(d) To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability;

(e) For use solely in conjunction with a legal or beneficial interest held by Subscriber and relating to the consumer;

(f) For use solely in Subscriber’s fiduciary or representative capacity on behalf of the consumer.

7. Release and Indemnification.

A. End-User agrees to indemnify and hold the National Credit Bureaus that provided the credit report or other report harmless from all claims arising out of End-User’s use of the reports in question.  Such indemnification includes all expenses, legal costs and damages, including reasonable expert and attorney fees.

B. End-User understands that the National Credit Bureau rely upon information furnished to it by third parties.  End-User agrees to assert no claim against the National Credit Bureau, including any related companies, divisions, their agents, employees, officers or directors based upon the information in the report being inaccurate, incomplete or in violation of consumer reporting laws.

8. Use of Reports.

End-User represents that it is the end user of the reports order for a one time use.  It will not resell or distribute reports received to any third party.  Further, it will not create a database containing credit or other information.

9. Effective Addendum.

The purpose if this Addendum is to address special conditions related to the reporting of credit and other information supplied by National Credit Bureaus.  This Addendum and underlying Service Agreement are to be interpreted as one Agreement.  The terms of the Addendum take precedent only when dealing with credit reports and create greater obligations.  All other terms of the Service Agreement are reaffirmed by the Parties.