All Class members may access the Consumer Credit Reporting Assistance page, which contains information regarding credit reports, credit scores, and how Class members can dispute any inaccuracies on their credit reports and use their settlement benefits to track their credit ratings and monitor improvements, by clicking on the button below:
In addition, Claimants were able to elect to receive a Monetary award or a Non-Monetary Award from the settlement:
Class members could have submitted a claim for a free file disclosure plus two free VantageScore Credit Scores. Class members who elected the free file disclosure and two free VantageScore Credit Scores may not also claim a Monetary Award. Class members who claimed this benefit will receive an activation code by email within 30 days of the Settlement becoming final.
If you opted to receive a Monetary Award, you could have selected one of two available options.
Option 1 on the Claim Form is for a Convenience Award. The amount of this type of award will depend, in part, on the number of Class members who claim this benefit. The parties estimate that a Convenience Award under Option 1 will be $15–20, but it could be more or less.
Option 2 on the Claim Form is for Class members who are able to certify that they suffered an adverse action or harm. Class members who make this certification must specify whether they believe they suffered this harm with respect to: a denial of employment; a mortgage loan or housing rental; and/or a credit card, auto loan, other credit that they applied for, or payment of a discharged debt to obtain credit. They must also state which month and year they believe this happened and provide documentation in support of their claim. The Settlement Administrator will verify these claims. Accepted claims will be paid according to the following schedule:
|Type of Claim
|A denial of employment you applied for
|A mortgage loan or a housing rental you sought
|A credit card, auto loan, or other credit applied for, or payment of a discharged debt to obtain credit
Payment will be made only for the highest dollar category for which you qualify even if you qualify for two or three categories.
More information about the benefits provided by the settlement is available in the Settlement Agreement.