HomeBuyCredit facilitates access to consumer credit information in accordance with the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq.Consumer reports are obtained only with the consumer’s express written authorization and are used solely for the permissible purpose for which that authorization was granted. Access to consumer credit data is restricted to authorized users, logged, and retained as part of an immutable audit trail.
Consumers have the right to dispute inaccurate or incomplete information, to one free file disclosure every 12 months, and to know what is in their file. HomeBuyCredit does not make credit decisions and is not a consumer reporting agency. This system is for authorized use only; all activity is monitored and may be recorded for compliance and security purposes.
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