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