to you any information in the credit file disclosure you receive from the credit reporting agency. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing, through a toll-free telephone number established by the credit bureau or through a function of the credit bureau’s website, if available, that you dispute the accuracy of information in your credit file. The credit bureau must then investigate your dispute and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau’s investigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. There are many different credit score models that can give an assessment of your relative risk of default for the same credit report. This risk of default is typically expressed in a three-digit number known as a credit score. There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The Federal Trade Commission is one of the agencies that regulates credit bureaus. For more information visit www.consumer.ftc.gov. You may also contact the Bureau of Consumer Financial Protection at www.consumerfinance.gov. (d) Right to termination of