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Notification of Rights for Vermont Consumers

Under Vermont law, you are allowed to receive one free copy of your credit report every 12 months from each credit reporting agency. If you would like to obtain your free report from Experian, you should contact us by writing or calling us at the address or phone number above.

Under Vermont law, no one may access your credit report without your permission except under the following limited circumstances:

  1. in response to a court order;
  2. for direct mail offers of credit;
  3. if you have given ongoing permission and you have an existing relationship with the person requesting a copy of your credit report;
  4. where the request for a credit report is related to an education loan made, guaranteed, or serviced by the Vermont Student Assistance Corporation;
  5. where the request for a credit report is by the Office of Child Support Services when investigating a child support case;
  6. where the request for a credit report is related to a credit transaction entered into prior to January 1, 1993; and
  7. where the request for a credit report is by the Vermont State Tax Department and is used for the purpose of collecting or investigating delinquent taxes.

If you believe a law regulating consumer credit reporting has been violated, you may file a complaint with the Vermont Attorney General's Consumer Assistance Program, 104 Morrill Hall, University of Vermont, Burlington, Vermont 05405.

 

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