Diamond Magwood

Authorized to work in the US for any employer

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• In many cases, the disclosure will be free
• You are entitled to a free file disclosure if: a person has taken adverse action against you because of information in your credit report; you are the victim of identity theft and place a fraud alert in your file; your file contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 60 days
• In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies
• Seewww.consumerfinance.gov/learnmore for additional information
• You have the right to ask for a credit score
• Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus
• You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it
• In some mortgage transactions, you will receive credit score information for free from the mortgage lender
• You have the right to dispute incomplete or inaccurate information
• If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous
• See www.consumerfinance.gov/learnmore for an explanation of dispute procedures
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information
• Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days
• However, a consumer reporting agency may continue to report information it has verified as accurate
• Consumer reporting agencies may not report outdated negative information
• In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old
• Access to your file is limited
• A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business
• The FCRA specifies those with a valid need for access
• You must give your consent for reports to be provided to employers
• A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer
• Written consent generally is not required in the trucking industry
• For more information, go to www.consumerfinance.gov/learnmore
• You may limit "prescreened" offers of credit and insurance you get based on information in your credit report
• Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on
• You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688)
• The following FCRA right applies with respect to nationwide consumer reporting agencies:
• CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE
• You have a right to place a "security freeze" on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization
• The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent
• However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit
• As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost
• An initial fraud alert is a 1-year alert that is placed on a consumer's credit file
• Upon seeing a fraud alert display on a consumer's credit file, a business is required to take steps to verify the consumer's identity before extending new credit
• If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years
• A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account
• Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements
• You may seek damages from violators
• If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court
• Identity theft victims and active duty military personnel have additional rights
• For more information, visit www.consumerfinance.gov/learnmore
• States may enforce the FCRA, and many states have their own consumer reporting laws
• In some cases, you may have more rights under state law
• For more information, contact your state or local consumer protection agency or your state Attorney General
• For information about your federal rights, contact:
• TYPE OF BUSINESS: CONTACTa
• Banks, savings associations, and credit unions with a
• Consumer Financial Protection Bureau total assets of over $10 billion and their affiliates
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