#### Applicant Copy

####### Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

#### A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

- • Anyone who uses a You must be told if information in your file has been used against you. 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 - must tell you, and must give you the name, address, and phone number of the agency that provided the information.
- • You may request and obtain all the information You have the right to know what is in your file. 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 person has taken adverse action against you because of information in your credit report; o person has taken adverse action against you because of information in your credit report;
- o are the victim of identity theft and place a fraud alert in your file; o are the victim of identity theft and place a fraud alert in your file;
- o file contains inaccurate information as a result of fraud; o file contains inaccurate information as a result of fraud;
- o are on public assistance; o are on public assistance;
- o are unemployed but expect to apply for employment within 60 days. o are unemployed but expect to apply for employment within 60 days.
- In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.
- • Credit scores are numerical summaries of your You have the right to ask for a credit score. credit-worthiness based on information from credit bureaus. You may request a credit 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 mortgage transactions, you will receive credit score information for free from the mortgage lender.
- • If you identify You have the right to dispute incomplete or inaccurate information. 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.consumerfinance.gov/learnmore for an explanation of dispute procedures.
- • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable Inaccurate, incomplete, or unverifiable information must be removed or corrected, information. usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.