DISCLOSURES

CONSUMER FILE DISCLOSURES (ALSO KNOWN AS CREDIT REPORT) -Any disclosure of consumer report to the consumers to whom it relates, including Annual report disclosure.

Credit report

• is a summary of your financial history
• contains informations such as important such as mortgages you may have, student loans, and credit cards that may be in your name -lenders use this information to make certain decisions about you

What's in disclosure?

• PII(includes your name, address, Ssn, DOB) -CREDIT ACCOUNTS-INQUIRY INFORMATION (includes your current and past accounts reported by your lenders and creditor -INQUIRY INFORMATION (includes your current and past accounts reported by your lenders and creditor (includes information about companies that have reviewed your credit file
• BANK PUBLIC RECORDS - (bankruptcies and related details about them, such as filing date and the chapter (type of bankruptcy)) -COLLECTIOINS ACCOUNT - includes past due that have been turned over to a collection agency

RETENTION POLICY NEGATIVE INFORATION STAYS FOR 7 YEARS BANKRUPCY - 7-10 YEARS DEPENDING ON BANKRUPCY TYPE CLOSED ACCOUNT PAID AS AGREED STAY ON YOUR EQUIFAX CREDIT REPORT FOR UP TO 10 YEARS

NEGATIVE ITEMS -late payments up to 7 yrs from the original delinquency date (date of missed payment) -collection or charged off accounts 7 years from the date of your first missed payment that led to the collection of charge- off status -other negative accounts up to from the date of your first missed payment that led the collection of negative statues

POSTIVE ITEMS -active accounts paid as agreed - remains as long as the account is open, and the lender is reporting it -closed accounts paid as agreed up to 10 yrs from the date it was reported

REASONS WHY CX REQUEST FOR DISCLOSURE -adverse action -state free -state reduced -fraud or extended fraud alert -unemployed -curiosity -public welfare assistance -annual free

6 FREE ADDTIONAL COPIES EQUIFAX CREDIT REPORTS PER YEAR BY CREATING A MYEQUIFAX ACCOUNT

CX CAN ALSO GO TO ANNUALCREDITREPORT.COM AND ACCESS WEEKLY CREDIT REPORT FROM EQUIFAX EXPERIANS OFFERS IDENTITY IDENTITYWORKS PREMIUM QUARTERLY

VICTIM OF COVID 19 -free weekly disclosures

BREACH SETTLEMENT -no longer charge a fee to consumers for the first 6 copies of this disclosure each month until 2028

WHO CAN ACCESS A CX CREDIT REPORT? -the individual pulling their own credit report or file for personal knowledge

• student loan providers
• landlords or apartment owners -government agencies
• banks
• utility companies
• employers
• creditors
• insurance companies
• collection agencies

1 DOCUMENT TO VERIFY SOCIAL SECURITY NUMBER (SSN) 1 DOCUMENT TO VERIFY CURRENT ADDRESS (DRIVERS LICSENCE)

THIRD PARTY - VIA MAIL CHANNEL -PARENT (BIRTH CERT / ADOPTION PAPER) -ADMINISTRATOR/EXECUTOR (COPY OF DESTH CERT AND POA)

THIRD PARTY -DRIVERS LICENSE -ISSUED ID CARD -PASSPORT

ITEMS TO VALIDATE THE 3RD PARTY IS THE CX AUTHOURIZED REPRESENTATIVE -BIRTH CERT -COURT ORDER -POA -DEATH CERT -FOSTER CARE DOCUMENT

CHANNEL TO REQUEST -4 BUSINESS DAYS & MAIL (IVR, MAIL AN PHONE) -IMMEDIATELY & ONLINE VERSION ( MYEQUIFAX, ANNUAL CREDIT REPORT.COM AND IDENTITYWORK PREMIUM ) -IMMEDIATELY & PRINTED VERSION ( WALK-UP)

DELIVERY TYPES ARE AVAILABLE THROUGH AMERICAN DISABILITIES ACT (ADA) : LARGE PRINT , AUDIO , BRAILLE

! DO NOT SEND IF THERE ARE DISCREPANCIES WITH:

• CURRENT ADDRESS
• SSN OR NAME