Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for the credit is increased either wholly or partly because of information obtained from a person other than a credit reporting agency bearing on the consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, certain requirements must be met. The user of such information, when the adverse action is communicated to the consumer, must clearly and accurately disclose the consumer's right to make a written request for disclosure of the information. If such a request is made and is received within 60 days after the consumer learned of the adverse action, the user, within a reasonable period of time, must disclose to the consumer the nature of the information.
New Hampshire Notice of Increase in Charge for Credit Based on Information Received From Person Other Than Consumer Reporting Agency
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How to fill out Notice Of Increase In Charge For Credit Based On Information Received From Person Other Than Consumer Reporting Agency?
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FAQ
A Credit Score Disclosure alerts a consumer of their FICO scores, defines what a FICO is, informs how FICO scores affect their access to consumer credit and provides contact information for the bureaus.
The Fair Credit Reporting Act (FCRA) also imposes AAN requirements in certain circumstances. Unlike the ECOA, however, the FCRA applies only to consumers and more broadly applies to adverse action on certain noncredit transactions such as employment or insurance applications.
If you've been denied credit because of information in your credit reports, the company you applied with must send you what's known as an adverse action notice. Whether it's for a new credit card, an auto loan or a second date, rejection stings.
Dear [Applicant Name], We regret to inform you that based on our hiring criteria, we are unable to consider you further for an employment opportunity with our organization. This decision was made in part from the information we received from _____________________, our employment screening vendor.
An adverse action notice is to inform you that you have been denied credit, employment, insurance, or other benefits based on information in a credit report. The notice should indicate which credit reporting agency was used, and how to contact them.
The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you (this is called "file disclosure").
Section 623(a) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.
A statement of action taken by the creditor. Either a statement of the specific reasons for the action taken or a disclosure of the applicant's right to a statement of specific reasons and the name, address, and telephone number of the person or office from which this information can be obtained.
