|
B-1 Risk Based Pricing Notice. 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? We used information from your credit report 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. 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 Transunion, which is the consumer reporting agency from which we obtained your credit report(s). It is a good idea to check your credit report(s) to make sure the information (it contains/they contain) is accurate. How can you obtain a copy of your credit report(s)? 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 Transunion: By telephone: Call toll free: 800 888-4213 By mail: Mail your written request to: Transunion 2 Baldwin Place P.O. Box 1000 Chester, PA. 19022 How can you get more information about credit reports? For mote information about credit reports and your rights under federal law, visit the Federal Reserve Board’s web site at www.federalreserve.gov, or the Federal Trade Commission’s web site at www.ftc.gov Receipt acknowledged this date __________ by ________________________, Customer
|
