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Your Credit Report

What is a credit report?

A credit report is a record of your credit history.  It includes information about whether you pay your bills on time and how much you owe to creditors.

How do we use your credit report?

We use information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate (APR).  The terms offered to some customers may be less favorable than the terms offered to others who have better credit histories.

How can you obtain a copy of your credit report?

Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide Consumer Reporting Agencies (CRAs) once a year.  To order your free annual credit report:

By telephone:        Call toll-free 1-877-322-8228

On the web:          Visit

By mail:                 Mail your complete Annual Credit Report Request Form to:                                   

                            Annual Credit Report Request Service

                            PO Box 105281

                            Atlanta, GA  30348-5281

How do I know what Terms are outlined for my loan?

The terms of your loan are outlined in the Truth-In Lending Disclosure Statement and Note & Security Agreement.  A copy of these terms will be provided at the closing of each loan.  These terms are set forth by River City Finance in accordance with Kentucky State Laws.  No other parties participate in the decision making process regarding your loan.

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