Federal Register - September 17, 2021
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Fuente: Federal Register
Federal Register / Vol. 86, No. 178 / Friday, September 17, 2021 / Rules and Regulations
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A-5. Model form for credit score disclosure for loans where credit score is not available Name of Entity Providing the Notice Credit Scores and the Price You Pay for Credit
Your credit score is not available from Insert name of CRA, which is a consumer reporting agency, because they may not have enough information about your credit history to calculate a score.
Your credit score is a number that reflects the information in your credit report.
Your 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.
Your credit score can change, depending on how your credit history changes.
Credit scores are important because consumers who have higher credit scores generally will get more favorable credit terms.
Not having a credit score can affect whether you can get a loan and how much you will have to pay for that loan.
You have a right to dispute any inaccurate informaiton in your credit report. If you find mistakes on your credit report, contact the consumer reporting agency.
It is a good idea to check your credit report to make sure the information it contains is accurate.
Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year.
To order your free annual credit report Call toll-free: 1-877-322-8228
Visit www.annualcreditreport.com Mail your completed Annual Credit Report Request Form which you can obtain from the Federal Trade Commissions web site at http www.ftc.gov/bcp/conline/include/requestformfinal.pdf to:
Annual Credit Report Request Service P.O. Box 105281
Atlanta, GA 30348-5281
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For more information about credit reports and your rights under federal law, visit the Consumer Financial Protection Bureaus website at www.consumerfinance.gov/learnmore, or the Federal Trade Commissions website at www.ftc.gov/creditnotice.
