cancel
Showing results for 
Search instead for 
Did you mean: 

Is it illegal to display credit score on mailing?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Contributor

Is it illegal to display credit score on mailing?

Today I got a denial letter in the mail.

 

The cellophane envelope was wide enough, that it showed the following "Your Credit Score is:XXX".

 

Isn't that technically a violation of the FCRA?

 

 

 

Credit Card companies have a name for those who pay their bill in full each month: Deadbeats
Message 1 of 7
6 REPLIES 6
Super Contributor

Re: Is it illegal to display credit score on mailing?

Robert will be best served to answer this question.

 

I'd say it's probably not illegal, as credit scores are presented in many mailings.  Now, having them be visible without opening the envelope I'm sure is a no-no.

Message 2 of 7
Legendary Contributor

Re: Is it illegal to display credit score on mailing?

 

 

"FCRA 620. Unauthorized disclosures by officers or employees [15 U.S.C. § 1681r]

Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both."

Message 3 of 7
Super Contributor

Re: Is it illegal to display credit score on mailing?

So what that basically means to me is what I stated above.  They can provide your score to you, assuming it's addressed to the correct party, but it shouldn't be visible without opening the envelope as other parties could see it. 

 

I would think it would be difficult to prove that they knowingly and willfully had the score visible for others to see.

Message 4 of 7
Legendary Contributor

Re: Is it illegal to display credit score on mailing?

I would send the CRA notice advising that their mailing provided ability of others to view your information.

That establishes basis for later assertion of willful noncompliance.

 

If they then repeat the disclosure by not correcting the problem, you might have basis for asserting willful disclosure.

I would not, however, bring action based on a single event with no evidence or willful disclosure to others.

Message 5 of 7
Valued Contributor

Re: Is it illegal to display credit score on mailing?

And i'm assuming you already opened it?

 

If you really wanted to go after them, you could take a picture BEFORE opening it and go from there...not worth the time and headaches IMO.




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 6 of 7
Legendary Contributor

Re: Is it illegal to display credit score on mailing?

If you are still concerned that the mistake may be more than simple error or may be repeated, you can always file a formal complaint with the CFPB, and let them inquire as to the circumstances of the error.

The CRA is more likely to take corrective action based a query from the CFPB than a complaint from the consumer.

 

The CFPB always has the authority, if they feel it rises to a violation, to initiate legal action against the CRA.  I would leave it to their discretion and investigation.

Message 7 of 7
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.