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Under Massachusetts law, at your request, the credit reporting agency will provide you with a copy of your report, at no charge, once per year. We must convey your request for investigation to the source of the information within five business days after receiving your request. The results of our investigation will be sent to you within 10 business days after the investigation is complete. You have a right to receive a record of all requests for your credit history relating to a credit transaction initiated within the past six months, or two years if your credit history is reviewed for employment purposes. If you request, we will provide you with the company name, address and telephone number of any person contacted during the investigation within 15 days of your request. You may be entitled to collect compensation, in certain circumstances, if you are damaged by a person's negligent or intentional failure to comply with the provisions of the credit reporting act.