Credit Score Disclosure for Home Equity Investment Applicants

• What It Is: A numerical summary generated by a consumer reporting agency, reflecting your credit history and payment patterns at the time of your application.
• How It's Used: To evaluate risk and structure fair, competitive terms for your HEI agreement.
• Limitations: Scores may change over time due to updates in your credit behavior, reporting practices, or scoring models.

• Review for Accuracy: Carefully check the credit report associated with your score for errors. Discrepancies in credit data can impact your HEI terms.
• Right to Dispute Errors: If you identify inaccuracies in your credit report, you may file a dispute directly with the consumer reporting agency. The agency is obligated to investigate and correct verified errors (though they cannot explain EQTY LYFE’s decisions).
• Free Credit Report Access: You are entitled to a free copy of your credit report once every 12 months.
• Understanding Impact on HEI Terms: While your credit score influences eligibility and terms, EQTY LYFE considers additional factors (e.g., property value, equity stake, financial goals) when structuring your agreement.
• Non-Discrimination Assurance: EQTY LYFE does not base HEI decisions on prohibited factors such as race, religion, national origin, sex, marital status, or age.

Note: The agency cannot explain EQTY LYFE's decisions but can correct reporting mistakes.

• No Monthly Payments: Unlike loans, our HEI does not require recurring repayments.
• Risk Alignment: Your credit profile helps us design terms that balance your equity access with long-term financial stability.

• About your credit report: Reach out to the consumer reporting agency above.
• About your EQTY LYFE application: Email at contact@eqtylyfecorp.com