We may report information about your account to credit bureaus.  Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Federal law requires us to provide the above notice to members before any “negative information” may be furnished to a nationwide consumer reporting agency.  “Negative Information” means information concerning delinquencies, late payments, insolvency, or any form of default.

This notice does not mean that we will be reporting such information about you, only that we may report such information about members that have not done what they are required to do under our agreement.

After providing this notice, additional negative information may be submitted to credit bureaus without providing another notice.