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KNOW YOUR RIGHTS
UNDER THE FEDERAL FAIR CREDIT REPORTING ACT ("FCRA"), YOU ARE ENTITLED TO RECEIVE A FREE COPY OF YOUR CONSUMER FILE DISCLOSURE ONCE EVERY 12 MONTHS FROM EACH OF THE THREE NATIONWIDE CONSUMER REPORTING COMPANIES. TO REQUEST YOUR FREE ANNUAL REPORT UNDER THAT LAW, YOU MUST GO TO WWW.ANNUALCREDITREPORT.COM. YOU ARE ALSO ENTITLED TO A COPY OF YOUR CONSUMER FILE DISCLOSURE FROM EXPERIAN FREE OF CHARGE UNDER CERTAIN CIRCUMSTANCES, SUCH AS, IF YOU WERE DENIED CREDIT IN THE PAST 60 DAYS, ARE A RECIPIENT OF PUBLIC WELFARE ASSISTANCE, OR ARE A VICTIM OF FRAUD OR UNEMPLOYED. YOU CAN ALSO PURCHASE A CONSUMER FILE DISCLOSURE FROM EXPERIAN FOR A REASONABLE FEE. YOU HAVE THE RIGHT TO HAVE TRAINED PERSONNEL EXPLAIN ANY INFORMATION IN YOUR CONSUMER FILE DISCLOSURE. YOU HAVE A RIGHT TO PURCHASE A CONSUMER CREDIT SCORE DIRECTLY FROM EXPERIAN. YOU HAVE THE RIGHT TO DISPUTE INACCURATE INFORMATION IN YOUR CONSUMER FILE DISCLOSURE WITHOUT CHARGE. YOU MAY HAVE ADDITIONAL RIGHTS UNDER APPLICABLE STATE LAWS. PLEASE CONTACT EXPERIAN'S NATIONAL CONSUMER ASSISTANCE CENTER AT WWW.EXPERIAN.COM or 888-397-3742 FOR ASSISTANCE.
THIS SERVICE IS SEPARATE AND DISTINCT FROM YOUR RIGHTS UNDER THE FCRA. THIS SERVICE PROVIDES YOU WITH YOUR CONSUMER CREDIT REPORT AND NOT A CONSUMER FILE DISCLOSURE. CONSUMER CREDIT REPORTS DO NOT CONTAIN ALL ITEMS OF INFORMATION THAT ARE PROVIDED IN CONSUMER FILE DISCLOSURES. IF INACCURACIES OF INFORMATION ARE IDENTIFIED IN YOUR CONSUMER CREDIT REPORT, YOU WILL BE PROVIDED WITH AN OPPORTUNITY TO RECEIVE YOUR CONSUMER FILE DISCLOSURE AT NO ADDITIONAL CHARGE TO YOU (WITHIN SIXTY DAYS FROM DELIVERY OF THE SERVICE) THROUGH EXPERIAN'S NATIONAL CONSUMER ASSISTANCE CENTER AND EXERCISE YOUR RIGHT TO DISPUTE SUCH INACCURATE INFORMATION.