Agreement of Permissible Purpose:

• Credit information obtained from this site will only be used for permissible utility, energy, water, cable, telephone, tenant, employment, applicant screening or debt collection purposes.
• Unauthorized access is prohibited under the Fair Credit Reporting Act and punishable by $2500 and/or 1 year in Federal prison per occurrence.
• You are required to retain supporting application documentation for each transaction for 24 months.

ONLINE’s proprietary Exchange Advantage™ prevents customers from moving between service areas without paying you and your industry peers. This added layer of protection helps you recover past-dues on the back end by capturing and updating debtor contact information in real time.

The Exchange is designed to capture, track, and report payment history in real time through credit trade lines from our members; this network was designed to eliminate your bad debt.