FCRA Disclosure

This FCRA (Fair Credit Reporting Act) Disclosure is provided by SET Financial Corporation (referred to as "we," "us," or "our") to explain consumer-reporting rights connected with existing SET Financial accounts that we service. SET Financial does not obtain or pull a consumer credit report when you submit a new lender-network request.

Consumer Credit Reports

For existing SET-serviced accounts, SET Financial may furnish account and payment information to consumer reporting agencies and may use consumer-report information only as permitted by law for servicing, compliance, fraud prevention, or dispute handling. This does not apply to a new lender-network request submitted through this site.

Permissible Purpose

Any consumer-report information used in connection with an existing SET-serviced account will be requested and used only for a permissible purpose allowed by the FCRA.

Authorization

Submitting a new lender-network request through SET Financial does not authorize SET Financial to obtain a consumer credit report, and SET Financial does not obtain or pull one for that request.

Information Disclosure

For existing SET-serviced accounts, we may share consumer-report information with service providers, regulators, consumer reporting agencies, and other parties only as necessary for servicing, legal, compliance, or other permitted purposes. We do not sell consumer credit-report information for marketing purposes.

Your Rights Under FCRA

As a consumer, you have certain rights under the FCRA. These rights include:

• The right to know if information in your consumer credit report has been used against you.
• The right to request a copy of your consumer credit report from the CRA, including a free copy from each of the three major credit bureaus (Equifax, Experian, and TransUnion) every 12 months at www.annualcreditreport.com.
• The right to dispute inaccurate or incomplete information in your consumer credit report.
• The right to know the name and contact information of the CRA that provided your consumer credit report.
• The right to opt out of receiving prescreened offers of credit or insurance.

For more detailed information about your rights under the FCRA, you may visit the website of the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov/learnmore.

Contact Information

If you have any questions or concerns regarding the use of consumer credit reports or your rights under the FCRA, please contact us:

SET Financial Corporation
5540 Centerview Dr Ste 204 PMB 712445
Raleigh, NC 27606
Phone: 800-803-2510
Email: cs@setfinancial.com

We are committed to complying with the FCRA and protecting the privacy and security of consumer-report information associated with existing SET-serviced accounts. If there are any changes to this disclosure, we will notify you as required by law.