Dispute Form

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CREDIT = REPORT=20 DISPUTE FORM

If you feel there are inaccuracies in your report, = you=20 should write directly to the credit bureau (Equifax, or = TransUnion) that=20 supplied the information. First, fill out the top part of this = form. Then=20 print the creditor name and account number of the item in question = in the=20 Creditor column. Also, print the specific reason for your = disagreement in=20 the Dispute column. If you have additional information that you = believe=20 supports your dispute, include it in the comments column. Finally, = sign=20 the sheet in the space marked Signature and mail the entire form = to the=20 appropriate credit bureau. We also recommend writing directly to = the=20 creditor (bank, department store or other lender) detailing the = error and=20 the corrective actions you have taken.=20

First Name________________ Middle___=20 Last______________________ Jr.____Sr.____=20 =
Address_______________________________________________________________= ______=20
City/State/Zip=20 _______________________________________________________________=20
Social Security Number (necessary to access your credit = reports)=20 _________________=20 =
Signature_____________________________________________________________= _______=20

CREDITOR DISPUTE COMMENTS

Mail = this form to the=20 appropriate credit bureau. Please refer to the credit report for = the=20 correct mailing address. See below for the text of section 611 of = the Fair=20 Credit Reporting Act-Procedure In Case Of Disputed Accuracy.=20

Your Rights = - Fair=20 Credit Reporting Act (FCRA)

Para informacion en espanol, visite=20 www.ftc.gov/credit o escribe a la FTC Consumer = Response
Center,=20 Room 130-A 600 Pennsylvania Ave. N.W., Washington, D.C. = 20580.

A Summary of Your Rights under the Fair Credit = Reporting=20 Act

The federal Fair Credit Reporting Act (FCRA) promotes the = accuracy, fairness, and privacy of information in the files = of=20 consumer reporting agencies. There are many types of = consumer=20 reporting agencies, including credit bureaus and specialty = agencies=20 (such as agencies that sell information about check writing=20 histories, medical records, and rental history records). = Here is a=20 summary of your major rights under the FCRA. For more = information,=20 including information about additional rights, go to=20 www.ftc.gov/credit or write to: Consumer Response Center, = Room=20 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., = Washington, D.C. 20580.

You must be told if information in your file has been = used=20 against you. Anyone who uses a credit report or another = type of=20 consumer report to deny your application for credit, = insurance, or=20 employment - or to take another adverse action against you = - must=20 tell you, and must give you the name, address, and phone = number of=20 the agency that provided the information.

You have the right to know what is in your file. You = may=20 request and obtain all the information about you in the = files of a=20 consumer reporting agency (your "file disclosure"). You = will be=20 required to provide proper identification, which may = include your=20 Social Security number. In many cases, the disclosure will = be=20 free. You are entitled to a free file disclosure = if:

a person has taken adverse action against you = because of=20 information in your credit report;=20
you are the victim of identify theft and place a = fraud alert=20 in your file;=20
your file contains inaccurate information as a = result of=20 fraud;=20
you are on public assistance;=20
you are unemployed but expect to apply for = employment within=20 60 days.

In addition, by September 2005 = all=20 consumers will be entitled to one free disclosure every 12 = months=20 upon request from each nationwide credit bureau and from=20 nationwide specialty consumer reporting agencies. See=20 www.ftc.gov/credit for additional information.

You have the right to ask for a credit score. Credit = scores=20 are numerical summaries of your credit-worthiness based on = information from credit bureaus. You may request a credit = score=20 from consumer reporting agencies that create scores or = distribute=20 scores used in residential real property loans, but you = will have=20 to pay for it. In some mortgage transactions, you will = receive=20 credit score information for free from the mortgage=20 lender.

You have the right to dispute incomplete or inaccurate = information. If you identify information in your file that = is=20 incomplete or inaccurate, and report it to the consumer = reporting=20 agency, the agency must investigate unless your dispute is = frivolous. See www.ftc.gov/credit for an explanation of = dispute=20 procedures.

Consumer reporting agencies must correct or delete = inaccurate,=20 incomplete, or unverifiable information. Inaccurate, = incomplete or=20 unverifiable information must be removed or corrected, = usually=20 within 30 days. However, a consumer reporting agency may = continue=20 to report information it has verified as accurate.

Consumer reporting agencies may not report outdated = negative=20 information. In most cases, a consumer reporting agency = may not=20 report negative information that is more than seven years = old, or=20 bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting = agency=20 may provide information about you only to people with a = valid need=20 -- usually to consider an application with a creditor, = insurer,=20 employer, landlord, or other business. The FCRA specifies = those=20 with a valid need for access.

You must give your consent for reports to be provided = to=20 employers. A consumer reporting agency may not give out=20 information about you to your employer, or a potential = employer,=20 without your written consent given to the employer. = Written=20 consent generally is not required in the trucking = industry. For=20 more information, go to www.ftc.gov/credit.

You may limit "prescreened" offers of credit and = insurance you=20 get based on information in your credit report. = Unsolicited=20 "prescreened" offers for credit and insurance must include = a=20 toll-free phone number you can call if you choose to = remove your=20 name and address from the lists these offers are based on. = You may=20 opt-out with the nationwide credit bureaus at 1 888 = 5OPTOUT (1 888=20 567 8688).

You may seek damages from violators. If a consumer = reporting=20 agency, or, in some cases, a user of consumer reports or a = furnisher of information to a consumer reporting agency = violates=20 the FCRA, you may be able to sue in state or federal=20 court.

Identity theft victims and active duty military = personnel have=20 additional rights. For more information, visit www.ftc.gov/credit.

States may=20 enforce the FCRA, and many states have their own consumer = reporting=20 laws. In some cases, you may have more rights under state = law. For=20 more information, contact your state or local consumer = protection=20 agency or your state Attorney General. Federal enforcers=20 are:

TYPE OF=20 BUSINESS: CONTACT:

Consumer reporting agencies, creditors and others = not=20 listed below Federal Trade Commission: Consumer Response Center - = FCRA
Washington, DC 20580 1 877 382 4357

National banks, federal branches/agencies of foreign = banks=20 (word "National" or initials "N.A." appear in or after = bank's=20 name) Office of the Comptroller of the = Currency
Compliance=20 Management, Mail Stop 6-6
Washington, DC 20219 1 = 800 613=20 6743

Federal Reserve System member banks (except national = banks, and federal branches/agencies of foreign = banks) Federal Reserve Board
Division of Consumer &=20 Community Affairs
Washington, DC 20551 1 202 452 = 3693

Savings associations and federally chartered savings = banks=20 (word "Federal" or initials "F.S.B." appear in federal = institution's name) Office of Thrift Supervision
Consumer=20 Complaints
Washington, DC 20552 1 800 842 = 6929

Federal credit unions (words "Federal Credit Union" = appear=20 in institution's name) National Credit Union Administration1
775 Duke=20 Street
Alexandria, VA 22314 1 703 519 = 4600

State-chartered banks that are not members of the = Federal=20 Reserve System Federal Deposit Insurance Corporation
Consumer = Response=20 Center, 2345 Grand Avenue, Suite 100
Kansas City, = Missouri=20 64108-2638 1 877 275 3342

Air, surface, or rail common carriers regulated by = former=20 Civil Aeronautics Board or Interstate Commerce = Commission Department of Transportation , Office of Financial=20 Management
Washington, DC 20590 1 202 366 = 1306

Activities subject to the Packers and Stockyards = Act,=20 1921 Department of Agriculture
Office of Deputy=20 Administrator - GIPSA
Washington, DC 20250 1 202 = 720=20 7051

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