Minute Loan Center
Your Credit Report[s] 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[s]? | We used information from your credit report[s] to set the terms of the credit we are offering you, such as the Annual Percentage Rate and/or minimum payment. 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 Clarity Services, Inc., which is the consumer reporting agency from which we obtained your credit report[s]. |
| How can you obtain a copy of your credit report[s]? | It is a good idea to check your credit report[s] to make sure the information it contains is accurate. 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 Clarity Services, Inc.: By telephone: Call toll-free: 1-866-390-3118 By mail: Clarity Services, Inc., Consumer Support Division PO Box 16 Allen, TX 75013 On the web: https://www.clarityservices.com/ |
| How can you get more information about credit reports? | For more information about credit reports and your rights under Federal law, visit the Consumer Financial Protection Bureau's website at: https://www.consumerfinance.gov/learnmore |