HomeFCRA Compliance and Consumer Rights Disclosure

FCRA Compliance and Consumer Rights Disclosure

FCRA Compliance and Consumer Rights Disclosure

HL Hunt Credit Builder Program
Effective Date: 07/23/2025
Last Updated: 07/23/2025

HL Hunt Inc. (“HL Hunt,” “we,” “us,” or “our”) is committed to full compliance with the Fair Credit Reporting Act (FCRA) and applicable state and federal consumer protection laws. This disclosure outlines your rights, our obligations, and your options as a participant in the HL Hunt Credit Builder Program, which includes credit reporting to one or more consumer or commercial credit bureaus.

1. Purpose of Credit Reporting

As a participant in the HL Hunt Credit Builder Program, your account activity may be reported to:

  • Consumer Credit Reporting Agencies (CRAs) such as Equifax, Experian, and TransUnion (for individuals);

  • Business Credit Reporting Agencies, such as Dun & Bradstreet, Experian Commercial, and Equifax Small Business (for business entities).

This activity may include:

  • Account opening and closing dates;

  • Credit limit and utilization rate;

  • Payment history (on-time, late, missed);

  • Account status (current, delinquent, charged off, or closed).

2. Permissible Purpose for Accessing Your Credit File

By applying for and using HL Hunt services, you authorize HL Hunt to obtain your credit report for the following permissible purposes under FCRA §604 (15 U.S.C. §1681b):

  • To evaluate your eligibility for HL Hunt membership and a tradeline;

  • To verify your identity and prevent fraud;

  • To review and monitor your account on an ongoing basis;

  • To determine eligibility for credit limit increases, account renewals, or membership tier changes;

  • To comply with legal or regulatory obligations.

We will only access your credit file in accordance with the permissible purposes outlined above.

3. Your Right to Accuracy and Correction

Under the FCRA, you have the right to:

  • Be informed if information in your file has been used against you;

  • Access your credit report from each of the three major CRAs once per year, free of charge, at www.annualcreditreport.com;

  • Dispute inaccurate or incomplete information in your report;

  • Receive a response from the reporting bureau typically within 30 days of a submitted dispute;

  • Add a consumer statement explaining any disputed item on your report.

To dispute an error related to your HL Hunt tradeline, contact us at:

Compliance Department
compliance@hlhunt.org
HL Hunt Inc.
6844 Bardstown Rd
Louisville, KY 40291

We will conduct a prompt reinvestigation and, where necessary, notify all relevant bureaus of the corrected information.

4. Adverse Action Notice

If HL Hunt denies or reduces your Credit Line, suspends your account, or declines membership based in whole or in part on information from a credit report, we will issue an Adverse Action Notice in accordance with FCRA §615(a). This notice will include:

  • The name, address, and contact information of the credit bureau that supplied the report;

  • A statement that the bureau did not make the decision and cannot explain why the decision was made;

  • Your right to obtain a free copy of your credit report from that bureau within 60 days;

  • Your right to dispute the accuracy or completeness of any information in the report.

5. Data Retention and Security

HL Hunt maintains strict information security protocols to safeguard your credit data, consistent with FCRA §628 and the Gramm-Leach-Bliley Act (GLBA). We limit access to sensitive information to authorized personnel only, and we encrypt data at rest and in transit. We do not sell or share your credit information with third parties except as required by law or for permitted business purposes.

6. Consumer Rights Summary

A full summary of your rights under the FCRA is available at:
👉 https://www.consumerfinance.gov/rules-policy/regulations/1022/

7. Special Notice to Business Entities

If you are a business using HL Hunt’s Business Credit Builder, we may report your payment activity to commercial credit bureaus. Commercial credit files are not governed by the FCRA, but HL Hunt applies many of the same accuracy, dispute resolution, and data security principles voluntarily. Business tradeline disputes should be submitted in writing to compliance@hlhunt.org with relevant documentation.

8. Consent and Acknowledgment

By enrolling in the HL Hunt Credit Builder Program, you certify that you:

  • Understand that your account will be reported to applicable credit bureaus;

  • Authorize HL Hunt to access and use your credit file as described above;

  • Have reviewed your rights under the FCRA;

  • Acknowledge the dispute process and procedures outlined herein.

HL Hunt Inc.
6844 Bardstown Rd
Louisville, KY 40291
support@hlhunt.org
compliance@hlhunt.org


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