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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 the FCRA. For more information, including information

about additional rights, go to

or write to: Consumer Financial Protection

Bureau, 1700 G Street N.W., Washington, DC 20552.

You must be told if information in your file has been used against you. Anyone who uses a credit report or

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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.

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You have the right to know what is in your file. You may request and obtain all the information 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:

• A person has taken adverse action against you because of information in your credit report;

• You are the victim of identity theft and place a fraud alert in your file;

• Your file contains inaccurate information as a result of fraud;

• You are on public assistance;

• You 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

learnmore

for additional information.

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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 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.

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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

for an explanation of dispute procedures.

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Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.

Inaccurate, incomplete, or unverifiable information must be removed 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. In most cases, a consumer

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reporting agency may not report negative information that is more than seven years old, or bankruptcies that are

more than 10 years old.

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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 a creditor, insurer, employer, landlord, or other business.

The FCRA specifies those with a valid need for access.

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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.

consumerfinance.gov/learnmore.

You may limit “prescreened” offers of credit and insurance you get based on information in your credit re-

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port. Unsolicited “prescreened” offers for credit and insurance 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).

Ps Form 2181-D - Disclosure And Authorization For Consumer Reports And Investigative Consumer Reports Page 2

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