PayNet is a company that provides powerful small business lending analytics and tools to help lenders identify growth opportunities, mitigate portfolio risk, and forecast default rates. They track lending and default data on over 22 million small busin... PayNet is an Equifax business, and requests are handled through Equifax's online Privacy Preference Center, which lets you access, delete, or correct your data and opt out of sale/sharing. It's free, no account is needed (though you must supply personal details), and Equifax says to allow up to 45 days; if you'd rather not use the web form you can call 1-866-295-6801, and requests for minors, incapacitated adults, or by an authorized agent must be mailed on a downloadable form.