• You must be told if information in your file has been used against you. Anyone who uses a Credit Report or another type of Consumer Report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information.
• You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
• - a person has taken adverse action against you because of information in your credit file;
• - you are the victim of identity theft and place a fraud alert in your file;
• - your file contains inaccurate information as a result of fraud;
• - you are on public assistance;
• - you are unemployed but expect to apply for employment within 60 days.
• In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.
• You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
• You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and file it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to file information it has verified as accurate.
• Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
• Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
• You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore.
• You may limit "prescreened" offers of credit and insurance you get based on information in your credit file. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
• You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore.

STATE OF ARIZONA - Notice to Consumers

You may request that a security freeze be placed on your Equifax Information Services LLC (Equifax) credit report by sending a request in writing by mail. The security freeze on your credit report will prohibit Equifax from releasing your credit report without your express authorization. The security freeze is designed to prevent the release of your credit report without your consent. However, you should be aware that using a security freeze to take control over who is allowed access to the personal and financial information in your credit report may delay, interfere with or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, government services or payments, rental housing, employment, investment, license, cellular telephone, utilities, digital signature, Internet credit card transaction or other services, including an extension of credit at point of sale. When you place a security freeze on your credit report, you will be provided a personal identification number or password to use if you choose to remove the security freeze from your credit report or to authorize the temporary release of your credit report for a specific period of time while the security freeze is in place. To provide that authorization, you must contact Equifax and provide all the following:

1. .
2. Proper identification.
3. The unique personal identification number or password provided by the credit reporting agency.
4. The proper information regarding the specific period of time for which the credit report is to be available. Appropriate fee.

Equifax will remove the security freeze from your credit file within 3 business days after receiving the above information.

Equifax will authorize the temporary release of your credit report not later than 3 business days after receiving the above information via your written request and within 15 minutes when your request is received via telephone or internet.

A security freeze does not apply to certain persons, including a person, or collection agencies acting on behalf of a person, with whom you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. A security freeze does not apply to the use of your credit report for insurance underwriting purposes.

If you are actively seeking a new credit, loan, utility, or telephone account, you should understand that the procedures involved in lifting security freeze may slow your own applications for credit. You should plan ahead and lift a freeze, either completely if you are shopping around or specifically for a certain creditor, with enough advance notice before you apply for new credit to enable the lifting to take effect.

To place a security freeze on your Equifax credit report, send your request via mail to:

Equifax Security Freeze

P.O. Box 105788

Atlanta, Georgia 30348

Or, you may contact us on the web at equifax.com or call 800-685-1111.

The fee to place a security freeze on your credit report is $5.00. If you are a victim of identity theft and you submit a copy of a valid police report that alleges a violation of Section 13-2008, 13-2009 or 13-2010, no fee will be charged. Include your complete name, complete address, social security number, date of birth and payment, if applicable.

Written confirmation of the security freeze will be sent within 10 business days of receipt of the request via first class mail. It will include your unique personal identification number and instructions for removing the security freeze or authorizing the release of your credit report for a specific period of time.

1a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates. Contact

Bureau of Consumer Financial Protection

1700 G Street NW, Washington, DC 20552

1b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB Contact

Federal Trade Commission: Consumer Response Center - FCRA

Washington, DC 20580

(877) 382-4357

2a. To the extent not included in item 1 above.

National banks, federal savings associations, and federal branches and federal agencies of foreign bankContact

Office of the Comptroller of the Currency

Customer Assistance Group

1301 McKinney Street, Suite 3450, Houston, TX 77010-9050

2b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and insured state branches of foreign banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve ActContact

Federal Reserve Consumer Help Center

P.O. Box 1200, Minneapolis, MN 55480

2c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associationsContact

FDIC Consumer Response Center

1100 Walnut Street, Box #11, Kansas City, MO 64106

2d. Federal Credit UnionsContact

National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO)

1775 Duke Street, Alexandria, VA 22314

3. Air carriersContact

Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation

1200 New Jersey Avenue, SE, Washington, DC 20590

4. Creditors Subject to Surface Transportation BoardContact

Office of Proceedings, Surface Transportation Board Department of Transportation

395 E Street, SW, Washington, DC 20423

5.Creditors Subject to Packers and Stockyards Act, 1921Contact

Nearest Packers and Stockyards Administration area supervisor

6. Small Business Investment CompaniesContact

Associate Deputy Administrator for Capital Access United States Small Business Administration

409 Third Street, SW, 8th Floor, Washington, DC 20416

7. Brokers and DealersContact

Securities and Exchange Commission

100 F Street NE, Washington, DC 20549

8a. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit AssociationsContact

Farm Credit Administration

1501 Farm Credit Drive, McLean, VA 22102-5090

8b. Retailers, Finance Companies, and All Other Creditors Not Listed AboveContact

FTC Regional Office for region in which the creditor operates or Federal Trade Commission:

Consumer Response Center - FCRA, Washington, DC 20580

(877) 382-4357