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By using ICreditScore's services, you acknowledge and agree to the following regarding credit reporting and the Fair Credit Reporting Act (FCRA):
a. Authorization: By clicking "Continue" or otherwise providing written instructions, you explicitly authorize ICreditScore to obtain your credit report on a recurring basis from one or more of the three nationwide consumer reporting agencies (Equifax, Experian, and TransUnion) for the purpose of confirming your identity and monitoring your credit profile for changes.
b. Written Instructions: Your electronic consent and authorization constitute "written instructions" under the FCRA, as required by 15 U.S.C. § 1681b(a)(2).
c. Permissible Purpose: ICreditScore will obtain your credit information solely for the permissible purposes of identity verification and providing you with credit monitoring services as long as you remain a member of ICreditScore.
d. Consumer Rights: You have the right to withdraw your authorization at any time by contacting ICreditScore. You also have rights under the FCRA, including the right to dispute inaccurate information in your credit report directly with the consumer reporting agencies.
e. Recurring Access: Your authorization permits ICreditScore to obtain your credit report on a recurring basis for as long as you maintain an active account with ICreditScore, unless you withdraw your authorization.
f. Third-Party Verification: ICreditScore may use third-party sources, including mobile carrier information, to verify your identity in conjunction with credit report information.
The Fair Credit Reporting Act ("FCRA") allows you to obtain from each national credit reporting agency a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided or requested through the Website or Services are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.
Under the Fair Credit Reporting Act you are entitled to receive an annual free disclosure of your credit report from each of the national credit reporting agencies (i.e. Experian, Equifax and TransUnion).
To obtain the free reports, you can:
• Call 1-877-322-8228;
• Order online at www.annualcreditreport.com; or
• Complete the Annual Credit Report Request Form, available at www.ftc.gov/credit, and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You are also entitled to receive a free copy of your credit report from a credit reporting agency if:
• You have been denied or were otherwise notified of an adverse action related to credit, insurance, employment, or a government granted license or other government granted benefit within the past sixty (60) days based on information in a credit report provided by such agency.
• You have been denied house/apartment rental or were required to pay a higher deposit than usually required within the past sixty (60) days based on information in a credit report provided by such agency.
• You certify in writing that you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification.
• You certify in writing that you are a recipient of public welfare assistance.
• You certify in writing that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.
The FCRA also permits consumers to dispute inaccurate information in their credit report without charge. Accurate information cannot be changed. You do not have to purchase your credit report or other information to dispute inaccurate or incomplete information in your credit file maintained by the credit reporting agencies.
Any Credit Report you request is not intended to constitute the disclosure of information required by the FCRA or similar state laws.
In addition, if you reside in the state of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. If you are a resident of Mississippi, then beginning in 2016, you are entitled to free credit reports for three (3) years. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.