A Summary of Your Rights under the fair credit reporting act

Transcription

1

2

3

4

5 A Summary of Your Rights under the fair credit reporting act Para informacion en espanol, visite o escribe a la FTC Consumer Response Center, Room 130-A 600 Pennsylvania Ave. N.W., Washington, DC The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, DC 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 report; - You are the victim of identify 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, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See 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 report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See 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 report information it has verified as accurate. 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 You may limit prescreened offers of credit and insurance you get based on information in your credit report. 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 OPTOUT ( ). 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 States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are: TYPE OF BUSINESS: Consumer reporting agencies, creditors and others not listed below National banks, federal branches/agencies of foreign banks (word National or initials N.A. appear in or after bank s name) Federal Reserve System member banks (except national banks and federal branches/ agencies of foreign banks) Savings associations and federally chartered savings banks (word Federal or initials F.S.B. appear in federal institution s name) Federal credit unions (words Federal Credit Union appear in institution s name) State-chartered banks that are not members of the Federal Reserve System Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Activities subject to the Packers and Stockyards Act of 1921 CONTACT: Federal Trade Commission: Consumer Response Center - FCRA - Washington, DC Office of the Comptroller of the Currency Compliance Management Mail Stop 6-6 Washington, DC Federal Reserve Board Division of Consumer & Community Affairs Washington, DC Office of Thrift Supervision Consumer Complaints Washington, DC National Credit Union Administration 1775 Duke Street Alexandria, VA Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Avenue, Suite 100 Kansas City, Missouri Department of Transportation Office of Financial Management Washington, DC Department of Agriculture Office of Deputy Administrator - GIPSA Washington, DC

6

7 Adult Membership Join the global network of 2.8 million Girl Scouts Membership Year through 9/30/2016 GIRL SCOUT MISSION Girl Scouting builds girls of courage, confidence, and character, who make the world a better place. Check one: New Member Renewing Member Lifetime Member GSUSA ID (if known) PARTICIPATION DEMOGRAPHICS CONTACT INFORMATION Title or salutation: Mrs. Ms. Miss Mr. Dr. Other: Name: First Middle Last Address Apartment City State Zip Code ( ) ( ) Home Phone Business Phone ( ) Cell Phone Employer Address Title/Occupation I wish to opt in: Texts s By signing here and checking the circles to the left, each signee (and on behalf of the Girl, as applicable) agrees to receive autodialed informational or marketing text messages at the cell number above, understanding such consent is not required to join. Girl Scouts respects and welcomes people from all backgrounds and abilities. By completing the following information (as defined by the US Census), you ensure support and funding for girls in your community. Hispanic/Latina is defined as an ethnicity, not a race, therefore reported separately. This information is used for statistical purposes only. Gender: Female Male I am: (check all that apply) American Indian or Alaskan Native Asian Black or African American Hawaiian or Pacific Islander I will be participating in Girl Scouting as: (check all that apply) Volunteer I am/will be volunteering for Girl Scouts Parent/Family I am a parent/guardian/family member of a Girl Scout Girl Scout Alumnae I was a Girl Scout, either as a girl, adult or both # of years in Girl Scouting: as a girl: as an adult: White Other (please specify) I choose not to share at this time Community Partner Staff I am/will be employed by Girl Scouts Other Date of birth: / / mm dd yyyy I am Hispanic or Latina: Yes No I choose not to share at this time As a volunteer, I would like to participate in the following role(s): Representing Group(s)/Troop(s)/Service Unit Numbers: 01 Advisor or Leader for a Group/Troop # # # # 02 Assistant Advisor or Leader for a Group/Troop Advisor/Leader # # # 03 Support Volunteer for a Group/Troop # # # 11 Service Team or Unit Volunteer SU SU SU 12 Learning Facilitator Other (specify) MEMBERSHIP OPTIONS: Annual Membership Annual fee: $15 Lifetime Membership (including permanent membership card and recognition certificate) One-time fee of $375: Adults 18 years of age or older One-time fee of $195: Girl Scout Ambassadors graduating from High School in this membership year in the month of: (please submit by Sept. 1st of graduating year) YES! I would also like to make a donation today that directly benefits girls in our area. Enclosed is my tax-deductible donation in the amount of: (check one) $500 $250 $150 $100 $50 $25 Other: $ PAYMENT INFORMATION: Annual Membership: $ Lifetime Membership: $ Donation: $ Total Attached: $ Cash Check* Amex Discover Visa MasterCard Other Name on Credit Card ACCEPTANCE Media Permission When participating in Girl Scout activities (I or the person I am registering) give consent to be interviewed, photographed, videotaped, or electronically imaged for the purposes of promotional materials, news releases, or other published formats for either the local Girl Scout Councils or Girl Scouts of the USA. The images will be the sole property of the local Girl Scout Council or Girl Scouts of the USA. I hereby release and hold harmless the local Girl Scout Council and Girl Scouts of the USA from any claim arising from the use of these images. I wish to opt out at this time. I accept and abide by the Girl Scout Promise and Law: The Girl Scout Promise On my honor, I will try: To serve God and my country, To help people at all times, And to live by the Girl Scout Law. When making the GS Promise, individual members may substitute wording appropriate to their own spiritual beliefs for the word God. The Girl Scout Law I will do my best to be honest and fair, friendly and helpful, considerate and caring, courageous and strong, and responsible for what I say and do, and to respect myself and others, respect authority, use resources wisely, make the world a better place, and be a sister to every Girl Scout. Credit Card # Expiration Date Signature Date *Make checks payable to Girl Scouts THANK YOU FOR SUPPORTING GIRL SCOUTS! Learn more about Girl Scouts at ADMIN USE Signature Council Code: Service Unit/Team: Group/Troop: Date Return this registration form, along with GSUSA annual membership fee or applicable Lifetime fee to your local council. Fees are non-refundable or transferable to another person.