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Credit Reporting Opt-In Disclosure

1. Credit Bureau Reporting
By opting in, you authorize the Company to report your payment activity, including positive, neutral, and negative information, to one or more consumer reporting agencies such as Experian, Equifax, and TransUnion.

2. Impact on Your Credit
On-time payments may improve your credit standing. Late or missed payments may negatively affect your credit score. Credit bureaus independently determine how data affects your credit score.

3. Your Right to Decline or Withdraw
Opting in is voluntary. You may decline without penalty. You may also withdraw your consent at any time by contacting us.

4. Information We May Report
We may report account-related information including your name, address, payment history, account status, and outstanding balances as allowed under the Fair Credit Reporting Act (FCRA).

5. Use of Your Information
Your information will be used and shared with credit bureaus in accordance with our Privacy Policy and as permitted by the Fair Credit Reporting Act (FCRA).

6. Reporting Frequency
We generally report account data on a regular monthly basis. Reporting times may vary.

7. No Guarantee of Reporting
Opting in does not guarantee that all accounts or all activity will be reported. Reporting may vary by account type or program rules.

8. Disputing Inaccurate Information
If you believe we have reported inaccurate information about your account, you may contact us to dispute it. We will investigate and update the bureaus if necessary.