Clear Creek RVs
Legal Disclosure Required by Federal Law

Fair Credit Reporting Act (FCRA) Disclosure

Your rights regarding credit reports and background checks

FCRA Disclosure Notice

In connection with your application for financing, Clear Creek RVs and/or its lending partners may obtain consumer reports and/or investigative consumer reports about you from one or more consumer reporting agencies. Consumer reports may include information about your character, general reputation, personal characteristics, and mode of living.

These reports may be obtained at any time during the application process and, if you become a customer, throughout the duration of our relationship for purposes including but not limited to account review, collection activities, and other legitimate business purposes.

Your Rights Under the Fair Credit Reporting Act

Right to Know About Your Credit Reports

  • • You have the right to know if information in your file has been used against you
  • • You have the right to know what is in your file
  • • You have the right to ask for a credit score
  • • You have the right to dispute incomplete or inaccurate information

Free Credit Reports

You are entitled to a free copy of your credit report from each of the three major credit bureaus once every 12 months. You may order your free annual credit reports by:

Online:annualcreditreport.com
Phone:1-877-322-8228
Mail:Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

If We Take Adverse Action

If we deny your application or offer you less favorable terms based on information in your credit report, we will provide you with:

  • • The name, address, and phone number of the credit bureau that provided the report
  • • A statement that the credit bureau did not make the decision and cannot explain why it was made
  • • Your right to get a free copy of your credit report from that bureau within 60 days
  • • Your right to dispute incomplete or inaccurate information with the credit bureau

Identity Theft Protection

  • • You have the right to place fraud alerts on your credit file
  • • You have the right to obtain free credit reports if you are a victim of identity theft
  • • You have the right to seek damages from violators in federal or state court
Credit Bureau Contact Information

Experian

P.O. Box 4500

Allen, TX 75013

1-888-397-3742

experian.com

Equifax

P.O. Box 740241

Atlanta, GA 30374

1-800-685-1111

equifax.com

TransUnion

P.O. Box 1000

Chester, PA 19016

1-800-916-8800

transunion.com

Additional Resources

For more information about your rights under the FCRA:

  • • Visit the Federal Trade Commission website: ftc.gov/credit
  • • Call the FTC Consumer Response Center: 1-877-FTC-HELP
  • • Review the complete FCRA text: 15 U.S.C. § 1681 et seq.

Questions About This Disclosure?

If you have questions about this FCRA disclosure or your credit rights, contact us:

Email:info@clearcreekrvs.com
Phone:3252154600

This disclosure is required by the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) and applicable state laws. By proceeding with your financing application, you acknowledge that you have received and understood this disclosure.