Disputes with Wells Fargo follow the Online Access Agreement
Credit Close-Up is part of Wells Fargo Online. For disputes with Wells Fargo relating to this addendum or the service, arbitration is governed by the Online Access Agreement. The detailed Experian and CSIdentity arbitration terms that follow describe a separate set of parties.
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The Credit Close-Up® service is part of Wells Fargo Online® and subject to the OAA, and with regard to Wells Fargo, the OAA governs the arbitration of any disputes relating in any way to this Addendum or the Credit Close-Up® service.
Qualifications & exceptions
Applies to disputes with Wells Fargo relating to this service or addendum.
Not stated here
The Online Access Agreement’s detailed dispute procedures are not supplied here.
Legal Rights & Agreement Rules · Procedure
You or the credit-service providers can elect binding arbitration
Enrollment and agreement allow you, Experian Information Solutions, Inc., or its service provider CSIdentity Corporation to elect binding arbitration for service or addendum disputes. AAA administers under its consumer rules; you may contact AAA to initiate or learn about arbitration. The providers will not seek arbitration of your individual claim while it remains solely in small claims court. Claims against Experian or CSIdentity concerning your credit report or under the FCRA or state equivalents are excluded from this arbitration agreement.
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By enrolling in the Credit Close-Up® service and agreeing to this Addendum, and pursuant to the Federal Arbitration Act, you also agree that any dispute between you and Experian or its service provider, CSIdentity, relating in any way to the Credit Close-Up® service or this Addendum will, at your election or at the election of Experian or CSIdentity, be resolved through binding arbitration and not through litigation in any court of general jurisdiction.
(Experian and CSIdentity will not seek to arbitrate any claim filed by you in small claims court so long as the claim is asserted only on an individual basis and pending only in small claims court.)
Binding arbitration of any dispute between you and Experian or CSIdentity relating in any way to the Credit Close-Up® service or this Addendum will be administered by the American Arbitration Association ("AAA") under its rules for consumer arbitrations, and you may contact the AAA to initiate arbitration or to obtain more information about arbitration.
Any disputes or claims against Experian or CSIdentity relating to your credit report or arising out of the federal Fair Credit Reporting Act (or its state law equivalents) are not, however, subject to this arbitration agreement.
"CSIdentity" refers to CSIdentity Corporation, an Experian service provider that facilitates our provision of the Credit Close-Up® service to you.
"Experian" refers to Experian Information Solutions, Inc., a consumer reporting agency.
Qualifications & exceptions
An eligible dispute goes to arbitration if one of the specified parties elects it.
Individual claims pending solely in small claims court have the stated protection.
Credit-report and FCRA or equivalent state-law claims against the two providers are excluded.
Not stated here
The AAA consumer rules are referenced but not supplied.
Legal Rights & Agreement Rules · Restriction or exception
Provider arbitration extends to arbitrability and related entities
The addendum calls for a broad reading of the Experian and CSIdentity arbitration agreement, including arbitration of disputes about whether a service-related claim is arbitrable and claims against their affiliates and service providers. It expressly excludes disputes or claims against Experian or CSIdentity concerning your credit report or arising under the FCRA or equivalent state laws. The individual-small-claims protection also remains.
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You agree that this agreement to arbitrate disputes between you and Experian or CSIdentity should be construed broadly, and you agree that any dispute between you and Experian or CSIdentity regarding the arbitrability of any claim relating in any way to the Credit Close-Up® service or this Addendum will also be decided through binding arbitration.
You agree that this agreement to arbitrate disputes between you and Experian or CSIdentity encompasses, not only claims by you against Experian and CSIdentity, but also claims by you against Experian's or CSIdentity's affiliates and service-providers relating in any way to the Credit Close-Up® service or this Addendum.
Any disputes or claims against Experian or CSIdentity relating to your credit report or arising out of the federal Fair Credit Reporting Act (or its state law equivalents) are not, however, subject to this arbitration agreement.
(Experian and CSIdentity will not seek to arbitrate any claim filed by you in small claims court so long as the claim is asserted only on an individual basis and pending only in small claims court.)
Qualifications & exceptions
The claims must relate to the service or addendum.
The express credit-report and statutory exclusions concern claims against Experian or CSIdentity.
Cross-references
contrast (model-proposed): The provider dispute terms waive jury trials and class proceedings — The provider arbitration clause expressly excludes credit-report and FCRA claims, while the separate jury and class waiver uses broad service-related wording. The text does not expressly reconcile their interaction; the cards preserve that uncertainty without asserting that the exclusion does or does not extend to those waivers.
Federal arbitration law governs the provider proceedings
The Federal Arbitration Act governs. The arbitrator applies applicable laws, including limitation periods and privileges, but does not apply federal or state civil-procedure or evidence rules to discovery or evidence matters. Subject to the section’s limits, court-available relief can be awarded and entered as a judgment by a court with jurisdiction. Declaratory and injunctive relief is restricted to what the individual claim warrants; awards cannot be used in other cases except for enforcement.
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Arbitration of any dispute between you and Experian or CSIdentity relating in any way to the Credit Close-Up® service or this Addendum will be governed by the Federal Arbitration Act.
The arbitrator of any such dispute will apply all applicable laws, including statutes of limitations, and privileges to the arbitration, but the arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to discovery or evidence.
Subject to the limitations on arbitration set forth below, the arbitrator may award any relief available in court, and judgment may be entered on any such arbitration award in any court with appropriate jurisdiction.
Claims may not be consolidated or joined in arbitration unless, you, Experian, and CSIdentity agree otherwise in writing, and an arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking it and only to the extent necessary to provide relief warranted by the party’s individual claim.
An arbitration award and any judgment confirming it will apply only to that specific case and cannot be used in any other case except to enforce an arbitration award.
Qualifications & exceptions
Applies to provider arbitration concerning the service or addendum.
Relief remains subject to the individual-claim limitations.
Legal Rights & Agreement Rules · Restriction or exception
The provider dispute terms waive jury trials and class proceedings
The addendum states that you, Experian and CSIdentity each waive jury trial for disputes relating to this service or addendum and may assert claims only individually. You also waive participation as a plaintiff or class member in class or other representative proceedings. The preceding credit-report/FCRA exclusion is expressly an exclusion from the arbitration agreement; this waiver paragraph uses broader service-related wording. It does not expressly say how that exclusion affects these separate waivers.
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You agree that, by enrolling in the Credit Close-Up® service, and agreeing to this addendum, you, Experian, and CSIdentity are each waiving the right to resolve any dispute relating in any way to the Credit Close-Up® service or this addendum through a jury trial.
You also agree that you, Experian, and CSIdentity may assert claims relating in any way to the Credit Close-Up® service or this addendum on an individual basis only, and you waive any ability you may have to assert claims relating in any way to the Credit Close-Up® service or to this addendum as a plaintiff or class member in any purported class or other representative proceeding.
Any disputes or claims against Experian or CSIdentity relating to your credit report or arising out of the federal Fair Credit Reporting Act (or its state law equivalents) are not, however, subject to this arbitration agreement.
Qualifications & exceptions
The waiver paragraph names you, Experian and CSIdentity and service or addendum disputes.
Not stated here
The text does not expressly explain how its arbitration exclusions interact with the separately worded jury and class waivers.
Cross-references
contrast (model-proposed): Provider arbitration extends to arbitrability and related entities — The provider arbitration clause expressly excludes credit-report and FCRA claims, while the separate jury and class waiver uses broad service-related wording. The text does not expressly reconcile their interaction; the cards preserve that uncertainty without asserting that the exclusion does or does not extend to those waivers.
Legal Rights & Agreement Rules · Restriction or exception
Provider arbitration is individual with limited written joinder consent
When provider arbitration is elected, disputes proceed individually, without representation of the public or similarly situated people. The arbitrator’s authority is limited to you, Experian and CSIdentity. Consolidating or joining claims requires all three to agree in writing. Declaratory or injunctive relief is limited to the individual party and what that claim warrants, and an award or confirming judgment applies only to its case, except for enforcement.
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You agree that, if you, Experian, or CSIdentity elect to resolve a dispute relating in any way to the Credit Close-Up® service or this Addendum through binding arbitration, the dispute will be arbitrated on an individual basis only.
Disputes between you, Experian, or CSIdentity relating in any way to the Credit Close-Up® service or this Addendum will not have representative capacity on behalf of the general public or other persons similarly-situated. The arbitrator’s authority is limited to disputes between you, Experian, and CSIdentity alone.
Claims may not be consolidated or joined in arbitration unless, you, Experian, and CSIdentity agree otherwise in writing, and an arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking it and only to the extent necessary to provide relief warranted by the party’s individual claim.
An arbitration award and any judgment confirming it will apply only to that specific case and cannot be used in any other case except to enforce an arbitration award.
Qualifications & exceptions
Joinder or consolidation requires written agreement by you, Experian and CSIdentity.
Relief must benefit the individual claimant and fit the individual claim.
Legal Rights & Agreement Rules · Restriction or exception
Invalid arbitration limits can void the provider arbitration agreement
If any of the preceding limits on provider arbitration is invalid or unenforceable, the agreement to arbitrate provider service or addendum disputes becomes void, apart from that invalidity sentence. Otherwise the section generally preserves its remaining provisions if one fails. The section also survives termination of enrollment.
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Supporting quotations
If any portion of the foregoing limitations on arbitration is invalid or unenforceable, then this agreement to arbitrate disputes between you, Experian, and CSIdentity relating to the Credit Close-Up® service or this Addendum (other than this sentence) will be null and void.
This section of this Addendum will survive termination of your enrollment in the Credit Close-Up® service. Except as provided above in relation to limitations on arbitration, a finding that any provision of this section of this Addendum is invalid or unenforceable will not affect the validity or enforceability of any other provision of this section of this Addendum.
Qualifications & exceptions
The general severability rule is subject to the special rule for arbitration limits.
Legal Rights & Agreement Rules · Restriction or exception
The dispute section survives unenrollment
Ending Credit Close-Up enrollment does not end section 6’s dispute provisions. Generally, invalidity of one provision leaves others intact. The express exception is the preceding rule that invalid arbitration limitations void the provider arbitration agreement, apart from that rule’s own sentence.
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Supporting quotations
This section of this Addendum will survive termination of your enrollment in the Credit Close-Up® service. Except as provided above in relation to limitations on arbitration, a finding that any provision of this section of this Addendum is invalid or unenforceable will not affect the validity or enforceability of any other provision of this section of this Addendum.
If any portion of the foregoing limitations on arbitration is invalid or unenforceable, then this agreement to arbitrate disputes between you, Experian, and CSIdentity relating to the Credit Close-Up® service or this Addendum (other than this sentence) will be null and void.
6. Arbitration agreement and class-action waiver
Qualifications & exceptions
General severability is subject to the specific arbitration-limit invalidity rule.
Cross-references
qualifies (model-proposed): You can unenroll at any time through the service — Unenrollment ends participation but does not end the dispute section, subject to its stated invalidity exception.
Legal Rights & Agreement Rules · Restriction or exception
The addendum excludes liability for service-related losses
By enrolling and agreeing, you accept a clause saying Wells Fargo, Experian and CSIdentity are not liable to you for damages, injuries or losses arising from or relating to Credit Close-Up. This describes the contractual exclusion without deciding its enforceability.
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By enrolling in the Credit Close-Up® service and agreeing to this Addendum, you agree that Wells Fargo, Experian, and CSIdentity, are not liable to you for any damages, injuries, or losses arising from or relating to the Credit Close-Up® service.
Qualifications & exceptions
Limited to losses arising from or relating to this service.
Legal Rights & Agreement Rules · Restriction or exception
You use the service at your own risk and it can change without notice
The addendum places use of Credit Close-Up at your sole risk. It supplies the service and all available content and information as is and allows changes at any time without notice.
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Supporting quotations
You further agree that your use of the Credit Close-Up® service is at your sole risk and that the Credit Close-Up® service, including all content and information available through the Credit Close-Up® service, is provided to you on an "as is" basis and subject to change at any time without notice to you.
Legal Rights & Agreement Rules · Restriction or exception
The providers disclaim service and information warranties
Wells Fargo, Experian and CSIdentity disclaim responsibility for delay or failure to obtain a score. They give no warranty that the service will be uninterrupted, secure or error-free and disclaim warranties, representations and conditions of any kind relating to the service or its content and information.
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Wells Fargo, Experian, and CSIdentity are not responsible for any delay or failure to obtain a FICO® Score for you, and you acknowledge that Wells Fargo, Experian, and CSIdentity make no warranty that the Credit Close-Up® service will be uninterrupted, secure, or error-free.
Wells Fargo, Experian, and CSIdentity expressly disclaim all warranties, representations, and conditions of any kind relating in any way to the Credit Close-Up® service or to any content or information available through the Credit Close-Up® service.
Legal Rights & Agreement Rules · Procedure
Violations or misuse trigger defense and indemnity duties
By enrolling and agreeing, you agree to defend, hold harmless and indemnify Wells Fargo, Experian and CSIdentity for claims, damages, expenses, liabilities and losses, including attorneys’ fees, arising out of, relating to or resulting from your violation of the addendum or misuse of Credit Close-Up. The stated trigger is your violation or misuse.
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By enrolling in the Credit Close-Up® service and agreeing to this Addendum, you agree to defend, hold harmless, and indemnify, Wells Fargo, Experian, and CSIdentity from and against all claims, damages, expenses, liabilities, and losses (including attorneys' fees) arising out of, relating to, or resulting from your violation of this Addendum or your misuse of the Credit Close-Up® service.
Qualifications & exceptions
The claims or losses must arise out of, relate to or result from your violation or misuse.
Legal Rights & Agreement Rules · Context
The addendum states a November 16, 2021 effective date
The saved Credit Close-Up addendum states that it is effective as of November 16, 2021. This date describes the document, rather than establishing that it is the latest version.
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Supporting quotations
Effective as of 11/16/2021
Legal Rights & Agreement Rules · Procedure
The addendum and Online Access Agreement govern Credit Close-Up
Both documents govern the service. For a conflict concerning Credit Close-Up, this addendum controls. Wells Fargo says it will post amendments on the website and notify you through the Online Access Agreement’s procedures. Unless this addendum says otherwise, that agreement’s definitions carry over.
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This Addendum ("Addendum") and the Wells Fargo Online Access Agreement ("OAA") contain the terms and conditions governing your use of the Credit Close-Up® service.
If we make changes to this Addendum, we will update the Addendum on the website. We will notify you of changes following the procedures specified in the OAA. If there is a conflict between this Addendum and the OAA, this Addendum will control with regard to the Credit Close-Up® service.
Except as otherwise provided in this Addendum, terms defined in the OAA have the same meaning in this Addendum.
Qualifications & exceptions
The conflict rule concerns the Credit Close-Up service.
Not stated here
The linked Online Access Agreement is not supplied here; its notification procedures and additional terms are not analyzed.
Legal Rights & Agreement Rules · Context
The addendum identifies the bank and credit-service participants
Wells Fargo means Wells Fargo Bank, N.A., and “you” means the person entering into the addendum. Experian Information Solutions, Inc. is the consumer reporting agency. CSIdentity Corporation is Experian’s service provider helping deliver Credit Close-Up. FICO Scores are credit scores created by Fair Isaac Corporation.
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Supporting quotations
"CSIdentity" refers to CSIdentity Corporation, an Experian service provider that facilitates our provision of the Credit Close-Up® service to you.
"Experian" refers to Experian Information Solutions, Inc., a consumer reporting agency.
"FICO® Scores" refers to credit scores created by Fair Isaac Corporation
"We," "Us," "Our," and "Wells Fargo" refer to Wells Fargo Bank, N.A.
"You" and "your" refer to you as the person entering into this Addendum.