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PLEASE READ AND PRINT THIS INFORMATION OFF FOR YOUR RECORDS

What You Should Know About Credit Scores:
Your credit score is a number that reflects the information in your credit report.
Your credit report is a record of your credit history. It includes information about whether you pay your bills on time an how much you owe to your creditors.
Your credit score can change depending on how your credit history changes.

How We Use Your Credit Score:
You credit score can affect whether you get a loan and how much you will have to pay for that loan.

The Range Of Scores:
Scores range from a low of 250 to a high of 843. Generally, the higher your score, the more more likely you are to be offered better credit terms.

Averages:
6% of consumers have a score between 250-499
9% of consumers have a score between 500-549
9% of consumers have a score between 550-599
9% of consumers have a score between 600-649
11% of consumers have a score between 650-699
13% of consumers have a score between 700-749
18% of consumers have a score between 750-799
25% of consumers have a score between 800-843

Checking Your Credit Report:
What if there are mistakes on your credit report?
You have the right to dispute any innacurate information in your credit report. If you find mistakes on your credit report, contact the consumer reporting agency. It is a good idea to check your credit report to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?
Under federal law, you have the right to obtain an free copy of your credit report from each of the nationwide consumer reporting agencies once a year. To order your free annual credit report:

By Phone: Call toll-free 1-877-322-8228
On the Web: Visit www.annualcreditreport.com  By Mail: Mail your completed Annual Credit Report Request Form (which you can obtain from the Federal Trade Commission's website) ftc.gov/bcp/online/include/requestformfinal.pdf to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA. 30348-5281

For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's website at www.federalreserve.gov  or the Federal Trade Commission's website at  www.ftc.gov