A Summary of Your Rights under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy ofinformation in the files of consumer reporting agencies. Here is a summary of your major rights
under the FCRA. For more information, including information about additional rights, go
to www.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal
Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
•You must be told if information in your file has been used against you. Anyone whouses a credit report or another type of consumer report to deny your application for
credit, insurance, or employment - or to take another adverse action against you - musttell you, and must give you the name, address, and phone number of the agency thatprovided the information.

•You have the right to know what is in your file. You may request and obtain all theinformation about you in the files of a consumer reporting agency (your "file disclosure").
You will be required to provide proper identification, which may include your Social
Security number. In many cases, the disclosure will be free. You are entitled to a free file
disclosure if:
o a person has taken adverse action against you because of information in yourcredit report; oro you are the victim of identity theft and place a fraud alert in your file; oro your file contains inaccurate information as a result of fraud; oro you are on public assistance; oro you are unemployed but expect to apply for employment within 60 days. In
addition, by September 2005 all consumers will be entitled to one free disclosure
every 12 months upon request from each nationwide credit bureau and fromnationwide specialty consumer reporting agencies. See www.ftc.gov/credit foradditional information.

•You have the right to ask for a credit score. Credit scores are numerical summaries
of your credit-worthiness based on information from credit bureaus. You may request acredit score from consumer reporting agencies that create scores or distribute scores
used in residential real property loans, but you will have to pay for it. In some mortgagetransactions, you will receive credit score information for free from the mortgage lender.

•You have the right to dispute incomplete or inaccurate information. If you identify
information in your file that is incomplete or inaccurate, and report it to the consumer
reporting agency, the agency must investigate unless your dispute is frivolous. See
www.ftc.gov/credit for an explanation of dispute procedures.

•Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information. Inaccurate, incomplete or unverifiable information must beremoved or corrected, usually within 30 days. However, a consumer reporting agency
may continue to report information it has verified as accurate.

•Consumer reporting agencies may not report outdated negative information. Inmost cases, a consumer reporting agency may not report negative information that ismore than seven years old, or bankruptcies that are more than 10 years old.

•Access to your file is limited. A consumer reporting agency may provide information
about you only to people with a valid need -- usually to consider an application with acreditor, insurer, employer, landlord, or other business. The FCRA specifies those with avalid need for access.

•You must give your consent for reports to be provided to employers. A consumer
reporting agency may not give out information about you to your employer, or a potential
employer, without your written consent given to the employer. Written consent generally
is not required in the trucking industry. For more information, go to www.ftc.gov/credit.

•You may limit "prescreened" offers of credit and insurance you get based on
information in your credit report. Unsolicited "prescreened" offers for credit andinsurance must include a toll-free phone number you can call if you choose to remove
your name and address from the lists these offers are based on. You may opt-out with
the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).

•You may seek damages from violators. If a consumer reporting agency, or, in somecases, a user of consumer reports or a furnisher of information to a consumer reporting
agency violates the FCRA, you may be able to sue in state or federal court.

•Identity theft victims and active duty military personnel have additional rights. For
more information, visit www.ftc.gov/credit.

States may enforce the FCRA, and many states have their own consumer reporting laws.
In some cases, you may have more rights under state law. For more information, contact
your state or local consumer protection agency or your state Attorney General. Federal
enforcers are:
Type of BusinessContact

Consumer Reporting Agencies or
Detour Drummond Community Credit Union

Federal Trade Commission
Consumer Response Center – FCRA
Washington, DC 20580
1-877-382-4357