An adverse action occurs when a lender, employer, landlord, or other decision-maker takes action against you based in whole or in part on information in a consumer credit report. If you are denied credit based on information in your consumer report, you may receive an Adverse Action Notice from the business. 

While Spinwheel does not make credit, employment, or housing decisions, we’re here to help you understand what you can do. 

Your Rights. 

If you receive an Adverse Action Notice, you have the right to:

• Request a copy of the consumer report used.

• Dispute inaccurate information.

• Know which credit reporting agency provided the report.

What Spinwheel Can Do.

• Provide access to the report we furnished. You can request a copy of the consumer report that Spinwheel has provided about you here.

• Help you submit a dispute if needed. Please visit here to submit a dispute.

• Explain your rights under the FCRA. Visit here for a summary of your rights.