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Last Updated: 9/22/2017

Credit Reports

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Collection

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​Consumer Reporting Agencies (CRAs) sell credit reports based on information they collect about consumers. Banks and other lenders or creditors use credit reports to make decisions about loan applications and other things.

We do not report any information about you directly to a CRA. However, if we file a state tax lien, it becomes public information. The CRA collects this information and adds it to your credit report.   

 

Limitations on the Use of Credit Reports

We may request a credit report to:

  • verify information when you request a payment agreement
  • obtain specific information for collection purposes, such as:
    • your name
    • your former and current address
    • your employer