Charges & Financial Obligations · Restriction or exception
The displayed FICO Score is for personal educational use
The service supplies a Fair Isaac Corporation credit score for your educational, noncommercial and personal use only. That restriction describes your use of the displayed score; it does not narrow the separate permission for Wells Fargo to use report information for offers and analytics.
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The FICO® Score presented to you through the Credit Close-Up® service is for your educational, non-commercial, and personal benefit and use only.
"FICO® Scores" refers to credit scores created by Fair Isaac Corporation
You authorize us to access and use this information, including your FICO® Score, to present you with an overview of your credit profile, to present you with credit and financial guidance, to offer products and services that may be of interest to you, for internal analytics, and for other purposes related to your relationship with us.
Qualifications & exceptions
The educational and personal-use restriction applies to the score presented to you.
Cross-references
contrast (model-proposed): Credit information may support guidance, offers and internal analytics — The score is restricted to your educational, noncommercial and personal use, while the bank has authorization for additional purposes including offers and analytics. These provisions concern different actors rather than establishing a conflict.
The displayed score may differ from the one Wells Fargo uses
Wells Fargo may use a different FICO Score and other information when deciding whether to open an account or extend credit. The score you see through Credit Close-Up therefore is not necessarily the score used to evaluate your credit or deposit-account application.
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The FICO® Score presented to you may not be the credit score we use to make account opening or credit decisions, and we may use other FICO® Scores and other information to review an application for a credit or deposit account.
The displayed score may lag your continuously updated credit file
Your score is a snapshot of your credit profile at a particular time and may vary each month. Although the underlying credit file changes continuously, the score displayed through Credit Close-Up may not reflect its newest data.
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Your FICO® Score reflects a general snapshot of your credit profile at a specific point in time, and it can vary from month to month. The credit file used to create your FICO® Score is updated continuously, and the FICO® Score presented to you through the Credit Close-Up® service may not reflect the most current data in your credit file.
Charges & Financial Obligations · Company commitment
Experian or CSIdentity will cover specified arbitration costs
At your request, Experian or CSIdentity will promptly reimburse an arbitration filing fee you paid. If you cannot pay, a written request triggers direct payment. They will pay all arbitration costs for a nonfrivolous service or addendum dispute with you. Each side may recover attorneys’ fees only to the same extent it could in court; the clause does not promise that every user’s lawyer fees will be paid.
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At your request, Experian or CSIdentity will promptly reimburse you for your payment of any arbitration filing fee. If you are unable to pay an arbitration filing fee, Experian or CSIdentity will pay the fee directly after receiving a written request from you.
Experian or CSIdentity will pay all arbitration costs associated with the arbitration of any nonfrivolous dispute between you and Experian or CSIdentity relating in any way to the Credit Close-Up® service or this Addendum.
Moreover, you, Experian, and CSIdentity will be entitled to recover attorneys’ fees from each other in arbitration to the same extent you, Experian, and CSIdentity would be able to recover attorneys’ fees in court.
Qualifications & exceptions
Direct filing-fee payment requires inability to pay and a written request.
The all-costs commitment concerns nonfrivolous covered disputes.
Attorneys’ fees follow the extent of recovery available in court.
Charges & Financial Obligations · Context
Account statements remain the official account record
Account information displayed through Credit Close-Up is not the official record of your Wells Fargo account or activity. Your account statements are the official record, whether delivered on paper or electronically when you are enrolled in paperless statements.
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Any Wells Fargo account information provided to you through the Credit Close-Up® service is not the official record of your account or its activity. Your Wells Fargo account statements, furnished to you in a paper format (or electronically if you are enrolled in paperless statements service), are the official record of your account and your account activity.
Charges & Financial Obligations · Restriction or exception
Wells Fargo and Fair Isaac disclaim credit-repair services
The addendum says neither Wells Fargo nor Fair Isaac Corporation is a credit repair organization under federal or state law, including the Credit Repair Organizations Act. It also says neither offers credit-repair services or advice or assistance for rebuilding or improving your credit history, rating or record. This limits what readers should understand the service’s separate credit and financial guidance permission to offer.
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Neither Wells Fargo nor Fair Isaac Corporation are credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Neither Wells Fargo nor Fair Isaac Corporation provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit history, credit rating, or credit record.
You authorize us to access and use this information, including your FICO® Score, to present you with an overview of your credit profile, to present you with credit and financial guidance, to offer products and services that may be of interest to you, for internal analytics, and for other purposes related to your relationship with us.
Qualifications & exceptions
The disclaimer identifies Wells Fargo and Fair Isaac Corporation.
Cross-references
narrows (model-proposed): Credit information may support guidance, offers and internal analytics — Permission to use credit information for credit and financial guidance is accompanied by an express disclaimer of credit-repair services and rebuilding or improving credit assistance.
Charges & Financial Obligations · Company commitment
Obtaining the service’s FICO Score does not affect that score
Obtaining your FICO Score through Credit Close-Up creates a soft inquiry on your credit report. The addendum says that inquiry does not affect your FICO Score.
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Obtaining your FICO® Score through the Credit Close-Up® service results in a soft credit inquiry on your credit report. This soft credit inquiry does not affect your FICO® Score.
Qualifications & exceptions
This statement concerns the inquiry generated by obtaining the score through Credit Close-Up.