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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Supporting quotations
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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Supporting quotations
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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Supporting quotations
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.
Legal Rights & Agreement Rules · Procedure
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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Supporting quotations
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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Supporting quotations
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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Supporting quotations
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.
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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Supporting quotations
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.
Legal Rights & Agreement Rules · Procedure
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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Supporting quotations
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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Supporting quotations
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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Supporting quotations
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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Supporting quotations
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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Supporting quotations
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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Supporting quotations
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.
Account & Service Control · Procedure
Using new or modified features accepts their governing terms
Wells Fargo may introduce new features, modify existing features or discontinue them. Accessing or using a new or modified feature constitutes agreement to the terms and conditions governing that feature.
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Supporting quotations
We may, from time to time, introduce new features to the Credit Close-Up® service. Similarly, we may modify or discontinue existing features. By accessing or using any new or modified features, you agree to be bound by the terms and conditions governing those features.
Qualifications & exceptions
Acceptance is tied to accessing or using a new or modified feature.
Account & Service Control · User right or choice
You can unenroll at any time through the service
Use the unenroll link within Credit Close-Up to terminate enrollment at any time. You agree to unenroll if you want new service-related consumer-report collection to stop or no longer want service communications. Privacy Policy affiliate-sharing limits alone do not terminate enrollment or revoke the service’s sharing consent. The dispute section survives termination.
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Supporting quotations
You may terminate your enrollment in the Credit Close-Up® service at any time by selecting the unenroll link within the Credit Close-Up® service. You agree that you will unenroll from the Credit Close-Up® service if you want us to stop obtaining new consumer report information about you in connection with the Credit Close-Up® service or if you no longer want to receive communications about the Credit Close-Up® service.
Please note, however, that limiting our sharing of information about you with our affiliates consistent with our Privacy Policy will not terminate your enrollment in the Credit Close-Up® service or revoke your consent to share the consumer report information we obtain about you in connection with the Credit Close-Up® service with our affiliates.
This section of this Addendum will survive termination of your enrollment in the Credit Close-Up® service.
Qualifications & exceptions
Unenrollment is the stated route to stop new report collection or service communications.
The dispute provisions continue after termination.
Not stated here
The clause does not promise deletion of existing report information.
The linked Privacy Policy text is not supplied, so its other sharing options are not analyzed here.
qualified by (model-proposed): The dispute section survives unenrollment — Unenrollment ends participation but does not end the dispute section, subject to its stated invalidity exception.
Wells Fargo may end or restrict enrollment without advance notice
Wells Fargo reserves the right to restrict, suspend or terminate your Credit Close-Up enrollment at any time, for any reason, without prior notice.
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Supporting quotations
We may restrict, suspend, or terminate your enrollment in the Credit Close-Up® service at any time and for any reason without prior notice.
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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Supporting quotations
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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Supporting quotations
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.
FICO and Wells Fargo identify trademark and copyright ownership
FICO is identified as Fair Isaac Corporation’s registered trademark in the United States and other countries. The page carries a 2022 Wells Fargo copyright notice and identifies some FICO-provided content as copyright 2022 Fair Isaac Corporation. These notices identify ownership rather than granting a reuse license.
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Supporting quotations
FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.
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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Supporting quotations
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.
Account & Service Control · Procedure
Agreeing to or using the service accepts both sets of terms
Agreeing to the addendum, or accessing or using Credit Close-Up, accepts both this addendum and the Online Access Agreement. Wells Fargo makes acceptance essential to providing the service and says you should terminate enrollment if the addendum becomes unacceptable.
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Supporting quotations
By agreeing to this Addendum, or by accessing or using the Credit Close-Up® service, you are agreeing to the terms and conditions of this Addendum and the OAA.
Your agreement to this Addendum is essential to our agreement to provide the Credit Close-Up® service to you. If this Addendum is unacceptable to you at any time, you should terminate your enrollment in the Credit Close-Up® service.
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.
Account & Service Control · Restriction or exception
Enrollment requires an eligible adult Wells Fargo Online account holder
You must hold a Wells Fargo account, be enrolled in Wells Fargo Online, reside in the United States or a U.S. territory, and be at least 18. Scores go only to the account holder and only when available. Closed, charged-off or newly opened accounts, or inability to verify your identity, can make you ineligible to receive a score.
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Supporting quotations
To enroll in the Credit Close-Up® service, you must be a Wells Fargo account holder enrolled in Wells Fargo Online®, a resident of the United States (or a United States territory), and at least 18 years old.
FICO® Scores will be delivered only to the Wells Fargo account holder and only if a FICO® Score is available for the Wells Fargo account holder. In some circumstances, such as if your account is closed, charged-off, or recently-opened, or if we are unable to verify your identity, you may not be eligible to receive a FICO® Score through the Credit Close-Up® service.
Qualifications & exceptions
U.S. and U.S. territory residents, age 18 or older.
Score availability and identity verification also limit access.
Data Access & Collection · Permission or license
Enrollment authorizes access to your consumer-report information
By enrolling and agreeing, you give Wells Fargo and its service providers, including CSIdentity, written instructions under the Fair Credit Reporting Act and other applicable laws to access and use your consumer-report information from one or more reporting agencies. The addendum permits use of your Social Security number and other personal information to obtain the report and verify identity.
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Supporting quotations
By enrolling in the Credit Close-Up® service and agreeing to this Addendum, you are providing Wells Fargo and its service providers, including CSIdentity, with "written instructions" in accordance with the federal Fair Credit Reporting Act and any other applicable laws to access and use consumer report information about you from one or more consumer reporting agencies.
In connection with the Credit Close-Up® service, we may use your Social Security number and other personal information to access your consumer report and to verify your identity.
Qualifications & exceptions
The authorization arises from enrollment and agreement to the addendum.
Credit information may support guidance, offers and internal analytics
You authorize Wells Fargo to access and use the report information, including your FICO Score, to show your credit profile, provide credit and financial guidance, offer potentially relevant products and services, conduct internal analytics, and for other purposes related to your relationship with the bank. The permission therefore extends beyond displaying the score. The addendum separately disclaims credit-repair services and advice or assistance for rebuilding or improving your credit history, rating or record.
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Supporting quotations
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
Other purposes must relate to your relationship with Wells Fargo.
The separate credit-repair disclaimer limits what the service’s guidance represents.
Cross-references
contrast (model-proposed): The displayed FICO Score is for personal educational use — 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.
narrowed by (model-proposed): Wells Fargo and Fair Isaac disclaim credit-repair services — 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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Supporting quotations
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.
Sharing & Disclosure · Permission or license
Enrollment consents to sharing credit information with affiliates
Enrollment and agreement authorize Wells Fargo to share consumer-report information obtained through Credit Close-Up, including your FICO Score, with affiliates such as Wells Fargo Advisors. Although the Privacy Policy offers limits on some affiliate sharing, exercising those limits does not end enrollment or revoke this service-specific sharing consent.
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Supporting quotations
By enrolling in the Credit Close-Up® service and agreeing to this Addendum, you consent to us sharing the consumer report information that we obtain about you in connection with the Credit Close-Up® service, including your FICO® Score, with our affiliates, including Wells Fargo Advisors.
Please note, however, that limiting our sharing of information about you with our affiliates consistent with our Privacy Policy will not terminate your enrollment in the Credit Close-Up® service or revoke your consent to share the consumer report information we obtain about you in connection with the Credit Close-Up® service with our affiliates.
Qualifications & exceptions
The consent concerns information obtained in connection with Credit Close-Up.
Not stated here
The linked Privacy Policy’s other sharing choices are not supplied or analyzed here.
You must end enrollment to stop new credit-report collection
To stop Wells Fargo obtaining new consumer-report information through Credit Close-Up, you must terminate enrollment. Merely limiting affiliate sharing under the Privacy Policy does not terminate the service or revoke its sharing consent. This statement concerns new collection; it does not promise deletion of previously obtained information.
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Supporting quotations
You must terminate your enrollment in the Credit Close-Up® service if you want us to stop obtaining new consumer report information about you in connection with the Credit Close-Up® service.
Qualifications & exceptions
Applies to new consumer-report information obtained through this service.
Not stated here
This passage does not specify deletion or later handling of information already obtained.
Cross-references
qualified by (model-proposed): You can unenroll at any time through the service — The service supplies an unenroll link as the method for terminating enrollment and stopping new service-related report collection.