IBM Southeast Employees' Federal Credit Union
P.O. Box 5090
Boca Raton, FL 33431-0890
(561) 982-4700 • (800) 873-5100

BORROWER'S NAME AND ADDRESS

RISK-BASED PRICING NOTICE

DATE

LOAN NUMBER

MEMBER NUMBER

Your Credit Report and the Price You Pay for Credit

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?

We used information from your credit report to set the terms of the credit we are offering
you, such as the Annual Percentage Rate.

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?

You have a right to dispute any inaccurate information in your credit report.

If you find mistakes on your credit report, contact the Credit Bureau checked below.
which is the consumer reporting agency from which we obtained your credit report.

It is a good idea to check your credit report to make sure the information it contains
is accurate.

How can you obtain a copy of your
credit report?

Under federal law, you have the right to obtain a copy of your credit report without
charge for 60 days after you receive this notice. To obtain your free report, contact:

Credit Reporting Agency:

EXPERIAN

By telephone: Call toll-free:

888-397-3742

By mail: Mail your written request to:

P.O. Box 2002
Allen, TX 75013

On the web: Visit:

www.experian.com

Credit Reporting Agency:

TRANSUNION

By telephone: Call toll-free:

800-888-4213

By mail: Mail your written request to:

P.O. Box 1000
Chester, PA 19022-2000

On the web: Visit:

www.transunion.com

Credit Reporting Agency:

EQUIFAX

By telephone: Call toll-free:

800-685-1111

By mail: Mail your written request to:

P.O. Box 740241
Atlanta, GA 30374

On the web: Visit:

www.equifax.com

How can you get more information
about credit reports?

For more information about credit reports and your rights under federal law, visit the
Federal Reserve Board's web site at www.federalreserve.gov, or the Federal Trade
Commission's web site at www.ftc.gov.

1006 LASER FI15082 Rev 8-2011

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Produced by Securian Financial Group. Contains original work product.
Unauthorized Reproduction is Prohibited.

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

1.
2.
3.
4.

If checked, the number of inquiries was also a key factor adversely affecting your
credit score.

How can you get more information
about your credit score?

If you have any questions regarding your credit score, please contact the consumer
reporting agency listed above.

If  you  applied  for  credit  with  a  co-borrower  or  guarantor  whose  credit  score  affected  your  loan  approval,  they  will  receive  their  own
separate notice.

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