Credit bureaus are private organizations that compile your credit history and make that information available to lenders to assess potential borrowers' creditworthiness. We provide the credit bureaus with information regarding the status of your account. You may contact the credit bureaus as follows:

The national credit bureaus offer a toll-free number to opt-out of all pre-approved credit offers with just one phone call. Call (888) 5-OPTOUT (or (888) 567-8688) for more information.

To the extent you believe that we have inaccurately provided information to a credit bureau, please contact us by writing to us at California First National Bank, P.O. Box 2509, Santa Ana, CA 92707-0509. Please provide us with your account number as well as all other information you believe we should know about the situation. We will investigate and respond to you within 30 days.

Your rights may be governed by the Fair Credit Reporting Act and vary depending on whether an action has been taken as a result of a credit bureau report. If you want your credit bureau report, you may request it by contacting the particular credit bureau. If you have been denied credit based on information in a particular credit bureau report, you are entitled to a free copy of your report from that credit bureau, provided you ask that bureau for a report within 60 days of the notice to you. In some circumstances, you may have to pay a fee to get the report. You also may have the right to challenge the accuracy of information contained in your report.