Such entities must have “permissible purpose” (as defined by the FCRA) in order to obtain and use your Early Warning consumer report. View sample Early Warning consumer report (also known as a file disclosure) Who has access to your Early Warning consumer report? The Fair Credit Reporting Act (FCRA) strictly limits who can have access to your Early Warning consumer report and how your Early Warning consumer report can be used. Inquiries: A list of entities that recently obtained information about you from Early Warning. Information about your accounts: Information about your bank account history and activity, including the bank’s name, account number, account status, account balance, and transactions on the account. Information about you: Your name(s), date of birth, Social Security number, address(es), phone number(s), etc. What information is in your Early Warning consumer report? We are owned by seven of the country’s most respected financial institutions – Bank of America, N.A. This decision was made by the entity that referred you to us, and not by Early Warning.Įarly Warning is a nationwide consumer reporting agency that complies with applicable provisions of the Fair Credit Reporting Act (FCRA). The entity that referred you to Early Warning may have made a decision to take action that is adverse to you (such as declining to open a new bank account or declining to accept a payment). Who is Early Warning? You may have been referred to Early Warning because of information reported to us by financial institutions about your checking or savings account history and activity.
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