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FairCreditReportingAct
Purpose
TheFairCreditReportingAct(FCRA)regulatesboththeprovidersandusersofconsumercreditinformationand
ofconsumerreportingagencies. ThestatedpurposeoftheFCRAistorequireaccurateinformationwhen
providingconsumercreditreports.
PolicyStatement
ItisthepolicyofAEAFederalCreditUniontouseconsumercreditreportsinconnectionwithcredittransactions
involving
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04
Provide necessary reasons: If the opt-out provision requires providing reasons for opting out, clearly state your reasons in the designated section of the form. Be concise and factual in explaining why you are choosing to opt out.
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Who needs referredtoasformquotoptoutquotprovision:
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Consumers: Individuals who wish to exercise their right to opt out of a specific provision, such as sharing personal data or receiving certain communications.
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Employees: Workers who want to opt out of a particular provision related to their employment, such as access to certain benefits or participation in specific programs.
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