Your Rights

Consumer Rights

Consumer rights encompass a range of protections and privileges aimed at ensuring fairness, transparency, and empowerment in financial interactions.

REQUEST YOUR CONSUMER REPORT

Consulytica maintains consumer databases and permit each consumer to obtain one free copy of their own consumer report in our databases per year, a free copy of their own consumer report in our databases upon each adverse action taken, which includes having an application for credit declined, and subsequent copies upon request.

To obtain a copy of your consumer report in our databases, please complete and sign the Consumer Report Request Form and return it to us via US Postal Service, or call us toll-free, and in each case provide all of the requested information and documentation.

You may call us toll-free or send a request in writing to [email protected]. In each case you must include: your full name, address, social security number, the previous addresses you have had in the past five years, and a clear copy of both sides of your Driver’s License or state identification card, or two alternative forms of identification, such as a copy of a recent (no less than 60 days old) cable, utility or phone bill, with a matching address of request, or a copy of your Social Security card, or a copy of your birth certificate, or a copy of your US passport (picture page only), or a copy of your voided consumer check with matching address of request, or a copy of your Alien Registration Card.

Consulytica
Attn: Consumer Services Department
507 E Main Street
Richmond, VA 23219
Phone: 800-839-9778

To obtain a free copy of your consumer credit report from one or more of the national consumer credit bureaus (Equifax, Experian and TransUnion), please visit www.annualcreditreport.com.

DISPUTE INFORMATION ON YOUR CONSUMER REPORT:

If you do not recognize the name of the company that requested your consumer report from Consulytica, or the information contained within your consumer report, or believe the information contained within your consumer report may be inaccurate, or otherwise wish to dispute an inquiry on your credit file with Consulytica, please complete and sign the Consumer Dispute Form and return it to us via US Postal Service, or call us toll-free, and in each case provide all of the requested information and documentation.

If you are not able to complete our form online, please call us toll-free or submit a request to Consulytica in writing to investigate, verify and/or correct any discrepancies. Note, however, that only inaccurate information may be removed from your credit report; negative information that is accurate will stay on your credit report as long as governing laws allow. In either case, please provide us with the following information:

Your Full Name
Other Name
Full Address
Home Phone
Employer Name & Address
Your Social Security Number
Your Date of Birth
Clear copy of your Driver’s License or state identification card or two alternative forms of identification
Details as to what items you believe may be inaccurate

Details as to why you believe items may be inaccurate
Details as to the correct information you feel is accurate
Documents supporting your dispute
Other details or documents you believe will be helpful in our investigation

Consulytica
Attn: Consumer Services Department
507 E Main Street
Richmond, VA 23219
Phone: 800-839-9778

For questions concerning this process or for the status of a request previously submitted you may reach the Consumer Services Department toll-free at:

Phone: 800-839-9778 or [email protected]

STATE CONSUMER RIGHTS / SECURITY FREEZE INFORMATION

As a consumer, and depending on the State of your residency, you may be able to request that a security freeze be placed on certain reports that Consulytica maintains about you. You may also subsequently release or lift a freeze at a later date. Depending on State provisions, these actions may require the payment of a fee.

Security freezes are designed to prevent a consumer reporting agency from releasing your consumer report without your consent. However, you should be aware that using a security freeze to take control over who is allowed access to the personal and financial information in your file may delay, interfere with or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular telephone, utilities, digital signature, Internet credit card transaction or other services, including an extension of credit at point of sale.

Generally, when you place a security freeze on your file, you will be provided a personal identification number or password to use if you choose to remove the security freeze from your file or authorize the temporary release of your consumer report for a specific person or period after the security freeze is in place. To provide that authorization, you must contact the consumer reporting agency and provide all the following:

Sufficient documentation to verify your identity.
The personal identification number or password previously provided to you by the consumer reporting agency, if any.
If applicable, a statement that you choose to remove the security freeze from your file, or that you authorize the agency to temporarily release your consumer report. If you authorize the temporary release of your consumer report, you must name the person who is to receive your consumer report, or the period for which your consumer report must be available.

A security freeze generally does not apply to circumstances in which you have an existing account relationship, and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.

If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your own applications for credit. You should plan ahead and may want to lift a freeze, either completely if you are shopping around, or specifically for a certain creditor, a few days before actually applying for new credit.

If you want to view the State specific rights you have, or place a security freeze on your file, select the State in which you reside from the list below, follow the instructions, and provide the information required:

Please note that any security freeze that you request will apply to only those applicable reports that are created and maintained by Consulytica; we do not have the ability to add a security freeze to the file of any other agency. To add a security freeze to your credit file, you must contact the individual relevant credit reporting agency. The three national credit reporting agencies are:

Equifax
P.O. Box 740241
Atlanta, GA 30374
800-525-6285
www.equifax.com

Experian
P.O. Box 9532
Allen, TX 75013
888-397-3742
www.experian.com

TransUnion
TransUnion Consumer Relations
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022-1000
Order Credit Report: 800-888-4213
Report Fraud: 800-680-7289
www.transunion.com/myoptions

COMMUNICATIONS POLICY

By creating an account on our Service, you agree to subscribe to newsletters, marketing materials and Text and other promotional information we may send. However, you may opt out of receiving any, or all, of these marketing communications from us by following the unsubscribe link or instructions provided in any email we send. Please note that we may still send you transactional or administrative messages related to the Service even after you have opted out of receiving marketing communications.

MOBILE APP TERMS

You are responsible for providing the mobile device, wireless service plan, software, Internet connections and/or other equipment or services that you need to download, install and use any mobile application versions of the Service (the “App”). We do not guarantee that the App can be accessed and used on any particular device or with any particular service plan. We do not guarantee that the App will be available in any particular geographic location. As part of the Service and to update you regarding the status of deliveries, you may receive push notifications, local client notifications, text messages, picture messages, alerts, emails or other types of messages directly sent to you in connection with the App (“Push Messages”). You acknowledge that, when you use the App, your wireless service provider may charge you fees for data, text messaging and/or other wireless access, including in connection with Push Messages. You have control over the Push Messages settings and can opt in or out of these Push Messages through the Service or through your mobile device’s operating system (with the possible exception of infrequent, important service announcements and administrative messages). Please check with your wireless service provider to determine what fees apply to your access to and use of the App, including your receipt of Push Messages from Consulytica. You are solely responsible for any fee, cost or expense that you incur to download, install and/or use the App on your mobile device, including for your receipt of push messages from Consulytica.

Mobile Software from the Apple App Store. The following terms and conditions apply to you only if you are using the App from the Apple App Store. To the extent the other terms and conditions of these Terms are less restrictive than, or otherwise conflict with, the terms and conditions of this paragraph, the more restrictive or conflicting terms and conditions in this paragraph apply, but solely with respect to the App from the Apple App Store. You acknowledge and agree that these Terms are solely between you and Consulytica, not Apple, and that Apple has no responsibility for the App or content thereof. Your use of the App must comply with the App Store’s applicable terms of use. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, for the App to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be solely governed by these Terms. You and Consulytica acknowledge that Apple is not responsible for addressing any claims of yours or any third party relating to the App or your possession and/or use of the App, including, but not limited to: (a) product liability claims, (b) any claim that the App fails to conform to any applicable legal or regulatory requirement, and (c) claims arising under consumer protection or similar legislation. You and Consulytica acknowledge that, in the event of any third party claim that the App or your possession and use of the App infringes that third party’s intellectual property rights, Consulytica, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by these Terms. You must comply with applicable third-party terms of agreement when using the App. You and Consulytica acknowledge and agree that Apple, and Apple’s subsidiaries, are third party beneficiaries of these Terms as they relate to your use of the App, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third party beneficiary thereof.