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I acknowledge and declare that I have read and agree with the terms and conditions of the Privacy Policy.

Thank you for submitting your credit application to us for vehicle financing. Although, Herrin-Gear is considered a creditor under the Equal Credit Opportunity Act and the Fair Credit Reporting Act, the Dealership itself will not be extending credit. We will review your credit application to determine if it can be submitted to a lender. If we submit your application to a bank or other creditor, you should understand that as a dealer, we generally sell cars on credit only if a third party like a bank or finance company will agree to buy the contract from us on terms that are mutually acceptable. If your credit application was not submitted to a lender and you would like a statement of specific reasons why your application was not submitted, please mail your written request to our Finance Director at the address listed above within 60 days of the date of this letter, and we will provide you with a statement of reasons within 30 days after receiving your request. If we provide reasons to you orally, you have the right to request that we confirm them in writing within 30 days of our receipt of your written request for confirmation.

We may obtain information from one of the consumer reporting agencies listed below as part of our consideration of your application. The reporting agency will play no part in our decision and is unable to supply specific reasons why you may be denied credit. You have the right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after your receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. You can find out about the information contained in your file (if one was used) by contacting:



Equifax; P. O. Box 740241; Atlanta, GA 30374; (800-685-1111)

TransUnion; P. O. Box 2000; Chester, PA 19022; (800-888-4213)

Experian; P. O. Box 2104; Allen, TX 75013:
(888-397-3742)

Sincerely,

Herrin-Gear Autoplex

Notice: The federal Equal Credit Opportunity Act prohibits creditors from discrimination against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission at Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
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I wish to opt out of having my nonpublic personal information disclosed to nonaffiliated third parties, except as permitted by law
* In submitting this credit application, I/We certify that the information provided on this application is, to the best of my/our knowledge, complete and accurate. I/We understand that the Dealer and financial institution(s) will rely on this information to judge my/our credit worthiness, and will retain this application and information about me/us whether or not this application is approved.

Further, I/We authorize an investigation of my/our credit and employment history, in conjunction with which my/our credit report(s) may be obtained from one or more consumer credit reporting agencies. I/We understand that false statements may subject me/us to criminal penalties. I/We further understand that the Dealer and/or the financial institution(s) that evaluate my/our application may require additional information.

FAIR CREDIT REPORTING ACT DISCLOSURE: I/We understand that this application for credit will be submitted by the dealer to various financial institutions for evaluation. Before this application is submitted, the Dealer will disclose to me the name and addresses of each institution that will receive copies of this application.


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