| 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.
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| 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.
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| 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].
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| 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/
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| 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
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