ABC Auto Sales
1234 Main Street, San Diego, CA 92101
(619) 555-0100
(619) 555-0100
Date: September 29, 2026
Steve Johnson
Application Date: September 26, 2026
Application Date: September 26, 2026
Notice of Risk-Based Pricing
Dear Steve Johnson,
Your application for credit has been approved. However, the terms offered to you may be less favorable than the terms offered to other consumers. This difference is based, in whole or in part, on information in a consumer report obtained from the consumer reporting agency identified below.
What this means: You are receiving this notice because the credit terms offered to you — including the annual percentage rate (APR) — are materially less favorable than the most favorable terms available to a substantial proportion of consumers from this creditor. This is not a denial of credit.
Credit Terms
Your Terms
Best Available
Product
Auto Loan — 60 months
Auto Loan — 60 months
Annual Percentage Rate
8.99%
3.49%
Loan Amount
$28,500
$28,500
Term
60 months
60 months
Credit Score Information
A credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your report changes. Below is information about the credit score used in making this decision.
Your Credit Score
742
Score Model
FICO 8
Score Range
300 – 850
Date of Score
September 29, 2026
Key Factors That Adversely Affected Your Score
1
AMOUNT OWED ON ACCOUNTS IS TOO HIGH
2
TOO FEW BANK/NATIONAL REVOLVING ACCOUNTS
3
TOO MANY ACCOUNTS WITH BALANCES
4
TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
Consumer Reporting Agency
The consumer report used in connection with this decision was obtained from:
Experian
P.O. Box 4500, Allen, TX 75013
Phone: 1-888-397-3742
Website: www.experian.com
Phone: 1-888-397-3742
Website: www.experian.com
The consumer reporting agency identified above provided the consumer report used in connection with this credit decision. The consumer reporting agency did not make the credit decision and is unable to provide you with specific reasons for the terms offered.
Your Rights Under Federal Law
You have the right to:
- ✓ Obtain a free copy of your consumer report from the consumer reporting agency identified above, if you request it within 60 days of receiving this notice.
- ✓ Dispute the accuracy or completeness of any information in your consumer report directly with the consumer reporting agency.
- ✓ Obtain a free copy of your consumer report annually from each of the nationwide consumer reporting agencies at www.annualcreditreport.com or by calling 1-877-322-8228.
Federal Regulatory Agency
Consumer Financial Protection Bureau (CFPB)
1700 G Street NW
Washington, DC 20552
Phone: (855) 411-2372
Website: www.consumerfinance.gov
1700 G Street NW
Washington, DC 20552
Phone: (855) 411-2372
Website: www.consumerfinance.gov
If you have any questions regarding this notice or the terms of your credit, please contact us at the address or phone number listed above.
Authorized Signature — ABC Auto Sales
Date
Generated by iSoftpull — FCRA § 615(h) / Regulation V § 1022.72 Compliant Notice
Risk-Based Pricing Notice per the Fair Credit Reporting Act (15 U.S.C. § 1681m)
and Regulation V (12 CFR § 1022.72-73), Model Form H-3.
Risk-Based Pricing Notice per the Fair Credit Reporting Act (15 U.S.C. § 1681m)
and Regulation V (12 CFR § 1022.72-73), Model Form H-3.