Credit Reporting Disclosure

This disclosure describes your rights in connection with the Consulytica alternative credit reporting system and the ProV 24:V3 consumer financial profile. Consulytica operates as an alternative consumer reporting agency and is committed to accuracy, fairness, and your right to understand and correct your profile.

1. Your ProV 24:V3 Consumer Profile

Consulytica maintains a consumer financial profile for each member that includes your ProV 24:V3 score, behavioral pillar assessments, verified profile information, payment history, bank account signals, and records reported by authorized partner organizations. This profile may be shared with FinCliq and authorized partner organizations for purposes described in our Terms of Service and Privacy Policy.

2. Your Right to Access Your Profile

You have the right to access your complete Consulytica consumer profile at any time through the Platform. Your profile includes your current ProV 24:V3 score, score history, all tradeline accounts, verified evidence, banking signals, inquiry history, grant records, and any public records or negative items. There is no charge to access your profile.

3. Your Right to Dispute Inaccurate Information

3.1 How to File a Dispute

If you believe any information in your Consulytica profile is inaccurate, incomplete, or cannot be verified, you have the right to dispute it. You may file a dispute through:

• The Platform: Navigate to your Credit Report and select the item you wish to dispute
• Email: info@consulytica.com with your member ID and a description of the disputed item
• Mail: Consumer Analytics Foundation, Attn: Dispute Resolution, 2024 Old Manchester Street, Richmond, Virginia 23225

3.2 What to Include in Your Dispute

For the fastest resolution, please include:

• Your full name and member ID
• A clear description of the item you are disputing
• The reason for your dispute (not my account, incorrect amount, incorrect status, already paid, or other)
• Any supporting documentation you have (payment receipts, correspondence, etc.)

3.3 Our Investigation Process

Upon receiving your dispute, Consulytica Verification Services will:

1. Acknowledge receipt of your dispute within 5 business days
2. Review the disputed item and any supporting documentation you provide
3. Contact the reporting party if applicable to verify the information
4. Notify you of the investigation outcome within 30 days of receiving your complete dispute

3.4 Dispute Outcomes

If your dispute is resolved in your favor:

• The disputed item will be removed from your profile
• Your ProV 24:V3 score will be recalculated to reflect the removal
• You will be notified by email of the resolution and score adjustment

If your dispute cannot be upheld:

• The item will remain on your profile
• You will be notified by email with an explanation
• You may submit a statement of dispute (up to 100 words) to be included with your profile
• You may re-dispute with additional supporting documentation

4. Your Right to Know Who Has Accessed Your Profile

Your Consulytica credit report includes a complete inquiry history showing every time your profile has been accessed by a partner, merchant, or FinCliq. Hard inquiries (for credit decisions) include the contact information of the inquiring organization. You have the right to contact any inquiring organization directly to understand the basis for their inquiry.

5. Hard Inquiries

Currently, hard inquiries from FinCliq and partner organizations in the Consulytica ecosystem do not negatively affect your ProV 24:V3 score. This policy reflects Consulytica’s commitment to supporting members in actively using the ecosystem without being penalized for access-seeking behavior. This policy is subject to review as the program evolves.

6. Negative Information and Your Rights

6.1 Types of Negative Information

The following types of negative information may appear on your profile:

• Missed payments reported by FinCliq or authorized partners
• Charge-offs reported by FinCliq
• Program dropouts reported by partner organizations
• Overdraft activity detected through bank connection

6.2 How Long Negative Information Stays

Negative information is subject to time-based weighting that reduces its impact over time:

• Missed payments: Full impact for 6 months, reduced impact from 6-24 months, minimal impact after 24 months
• Charge-offs: Remain on profile for 12 months
• Overdrafts: Count within 90-day rolling window only
• Program dropouts: Remain for 6 months, re-enrollment restores standing

7. Adverse Action Notice

If FinCliq or a partner organization takes an adverse action (such as denying a purchase or program benefit) based wholly or partly on your Consulytica profile, you have the right to receive a notice explaining:

• The fact that an adverse action was taken
• The name, address, and phone number of Consulytica as the reporting agency
• Your right to a free copy of your profile
• Your right to dispute inaccurate information

To receive a copy of your profile following an adverse action, contact us at info@consulytica.com with your member ID.

8. Identity Verification

Members are identified by their Social Security Number, Consulytica member ID, which is assigned at registration. Partner organizations and merchants identify members using member-presented authentication tokens or the member’s registered email address. This approach protects your sensitive identity information while enabling secure program participation.

9. Contact for Credit Reporting Questions

Consumer Analytics Foundation d/b/a Consulytica

Attn: Consulytica Verification Services — Dispute Resolution

2024 Old Manchester Street
Richmond, Virginia 23225

Email: disputes@consulytica.com

Phone: 1-800-870-4711

Hours: Monday-Friday, 9:00 AM – 5:00 PM Eastern Time