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Personify Financial on behalf of First Electronic Bank


Your Credit Score and the Price You Pay for Credit

Your Credit Score

692
Your credit score
Source: TransUnion Date: 2022-Dec-12

Understanding Your Credit Score

Your credit score is a number that reflects the information in your credit report.

What you should know about Your credit report is a record of your credit history. It includes information about whether you pay your
credit scores bills on time and how much you owe to creditors.

Your credit score can change, depending on how your credit history changes.

How we use your credit


Your credit score can affect whether you can get a loan and how much you will have to pay for that loan.
scores

Scores range from a low of 300 to a high of 850.


The range of scores
Generally, the higher your score, the more likely you are to be offered better credit terms.

How your score compares to


the scores of other
consumers

Checking Your Credit Report

You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your
What if there are mistakes in credit report, contact the consumer reporting agency.
your credit report?
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 Under federal law, you have the right to obtain a free copy of your credit report from each of the
your credit report? nationwide consumer reporting agencies once a year.

To order your free annual credit report -

By telephone: Call toll-free: 877-322-8228

On the web: Visit http://www.annualcreditreport.com

By mail: Mail your completed Annual Credit Report Request Form (which you can obtain
from the Federal Trade Commission's web site at
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

Annual Credit Report Request Service


P.O. Box 105281
Atlanta, GA 30348-5281
How can you get more For more information about credit reports and your rights under federal law, visit the Consumer Financial
information? Protection Bureau's website at http://www.consumerfinance.gov/learnmore.

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