Please link a source for this one. Look, this is a great practice for sure, but we're in the realm of legal now. I looked briefly[0] and couldn't find anything

Please link a source for this one. Look, this is a great practice for sure, but we're in the realm of legal now. I looked briefly[0] and couldn't find anything that explicitly that's what you need to do when describing options. The only requirement that I can see they are *required* to do: > furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. And it needs to be 30 days. As far as I can tell, this is in good standing FCRA wise. https://www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf https://www.consumer.ftc.gov/articles/pdf-0111-fair-credit-r...