Risk Based Pricing Notice
With Credit Score Information

Name of Entity Providing the Notice:

Your Credit Report(s) and the Price You Pay for Credit

Borrower

Account Number

Date

What is a credit report?

A credit report is a record of your credit history. It includes information about whether you pay
your bills on time and how much you owe to creditors.  

How did we use your credit
report(s)?

We used information from your credit report(s) to set the terms of the credit we are offering
you, such as the ______________________________________________________.

The terms offered to you may be less favorable than the terms offered to consumers who have
better credit histories. 

What if there are mistakes
in your credit report(s)? 

You have a right to dispute any inaccurate information in your credit report(s). 

If you find mistakes on your credit report(s), contact 

__________________________________,

obtained your credit report(s).

TransUnion 
the consumer reporting agency(ies) from which we

Experian

Equifax

It is a good idea to check your credit report(s) to make sure the information contained is
accurate. 

How can you obtain a copy
of your credit report(s)?

Under federal law, you have the right to obtain a copy of your credit report(s) without charge
for 60 days after you receive this notice.  To obtain your free report(s), contact:

By telephone:

Equifax
1.800.685.1111

By mail:

Experian
1.888.397.3742

TransUnion 
1.800.888.4213

Equifax
P.O. Box 740241
Atlanta, GA  30374-0241

Experian
701 Experian Parkway
P.O. Box 2002
Allen, TX  75013

TransUnion 
P.O. Box 1000
Chester, PA  19022

On the web:

Equifax
www.equifax.com

Experian
www.experian.com
/reportaccess

TransUnion 
www.transunion.com
/myoptions

How can you get more
information about credit
report(s)?

For more information about credit reports and your rights under Federal law, visit the Consumer
Financial Protection Bureau's website at www.consumerfinance.gov/learnmore.

CUNA Mutual Group 2011, 12 All Rights Reserved

Borrower Copy

MXX661-e

Your Credit Score and Understanding Your Credit Score 

Your credit score 

Source:

Date:

What you should know
about credit scores

Your credit score is a number that reflects the information in your credit report. We used your
credit score to set the terms of credit we are offering you.

Your credit score can change, depending on how your credit history changes.  

The range of scores

Scores range from a low of                                   to a high of                                   .

Key factors that adversely
affected your credit score

SIGNATURES (optional)

Borrower Signature

X

Date

Credit Union Authorization

(Seal)

X

Date

(Seal)

CUNA Mutual Group 2011, 12 All Rights Reserved

Borrower Copy

MXX661-e

Risk Based Pricing Notice
With Credit Score Information

Name of Entity Providing the Notice:

Your Credit Report(s) and the Price You Pay for Credit

Borrower

Account Number

Date

What is a credit report?

A credit report is a record of your credit history. It includes information about whether you pay
your bills on time and how much you owe to creditors.  

How did we use your credit
report(s)?

We used information from your credit report(s) to set the terms of the credit we are offering
you, such as the ______________________________________________________.

The terms offered to you may be less favorable than the terms offered to consumers who have
better credit histories. 

What if there are mistakes
in your credit report(s)? 

You have a right to dispute any inaccurate information in your credit report(s). 

If you find mistakes on your credit report(s), contact 

__________________________________,

obtained your credit report(s).

TransUnion 
the consumer reporting agency(ies) from which we

Experian

Equifax

It is a good idea to check your credit report(s) to make sure the information contained is
accurate. 

How can you obtain a copy
of your credit report(s)?

Under federal law, you have the right to obtain a copy of your credit report(s) without charge
for 60 days after you receive this notice.  To obtain your free report(s), contact:

By telephone:

Equifax
1.800.685.1111

By mail:

Experian
1.888.397.3742

TransUnion 
1.800.888.4213

Equifax
P.O. Box 740241
Atlanta, GA  30374-0241

Experian
701 Experian Parkway
P.O. Box 2002
Allen, TX  75013

TransUnion 
P.O. Box 1000
Chester, PA  19022

On the web:

Equifax
www.equifax.com

Experian
www.experian.com
/reportaccess

TransUnion 
www.transunion.com
/myoptions

How can you get more
information about credit
report(s)?

For more information about credit reports and your rights under Federal law, visit the Consumer
Financial Protection Bureau's website at www.consumerfinance.gov/learnmore.

CUNA Mutual Group 2011, 12 All Rights Reserved

Additional Borrower Copy

MXX661-e

Your Credit Score and Understanding Your Credit Score 

Your credit score 

Source:

Date:

What you should know
about credit scores

Your credit score is a number that reflects the information in your credit report. We used your
credit score to set the terms of credit we are offering you.

Your credit score can change, depending on how your credit history changes.  

The range of scores

Scores range from a low of                                   to a high of                                   .

Key factors that adversely
affected your credit score

SIGNATURES (optional)

Borrower Signature

X

Date

Credit Union Authorization

(Seal)

X

Date

(Seal)

CUNA Mutual Group 2011, 12 All Rights Reserved

Additional Borrower Copy

MXX661-e