Federal Register - September 17, 2021
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Source: Federal Register
51814
Federal Register / Vol. 86, No. 178 / Friday, September 17, 2021 / Rules and Regulations
A-6. Model form for risk-based pricing notice with credit score information
Name of Entity Providing the Notice Your Credit Reports and the Price You Pay for Credit
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.
We used information from your credit reports to set the terms of the credit we are offering you, such as the Annual Percentage Rate/down payment.
The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.
You have the right to dispute any inaccurate information in your credit reports.
If you find mistakes on your credit reports, contact insert name of CRAs, which is/are the consumer reporting agency/consumer reporting agencies from which we obtained your credit reports.
It is a good idea to check your credit reports to make sure the information it contains/they contain is accurate.
Under federal law, you have the right to obtain a copy of your credit reports without charge for 60 days after you receive this notice. To obtain your free reports, contact insert name of CRAs:
Call toll-free: 1-877-xxx-xxxx
By telephone:
By mail:
Mail your written request to:
Insert address
Visit insert web site address
On the web:
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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.
