Fair Credit Reporting Act:


We may report information about your credit union share account(s) and loan account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.


Our credit decision may be based in whole or in part on information in a report from the consumer reporting agencies listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. Credit Reporting agencies provide information however these agencies are not involved in our decision process and therefore they are unable to supply specific reasons why we have denied you credit.


Equifax / CSC

Office: 214-445-5436

652 North Belt Ste. 133

Box 674402

Houston, TX 77267-4402


Experian (T R W)

Office: 1-800-831-5614

P O Box 2106

Allen, TX 75002


Trans Union

Office: 972-831-0914

Office: 1-800-888-4213

Consumer Relations Office

P O Box 390 Springfield, PA 19064


Contact number and addressees for these credit bureaus are subject to change at their discretion.

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Fair Credit Reporting Act Notice
Notice To The Home Loan Applicant