FCRA Compliance

Your privacy and data security are our top priority

Level 10 Financial is committed to full compliance with the Fair Credit Reporting Act (FCRA) and maintains rigorous standards for consumer credit data protection.

Our FCRA Commitments

Permissible Purpose - We only access credit data for legally authorized purposes
User Authorization - Explicit written consent obtained before any credit pull
Accurate Disclosure - Clear explanation of what data we access and why
Secure Handling - Enterprise-grade encryption and access controls
Limited Retention - Data stored only as long as necessary for stated purposes
No Unauthorized Sharing - Consumer data never sold or shared without permission

Soft Credit Pull Disclosure

Level10 uses soft credit inquiries that do not impact your credit score. These inquiries are visible only to you and are used exclusively for generating your Bankability Score and providing financial coaching recommendations.

Your Rights Under FCRA

Right to know what information is in your file
Right to dispute incomplete or inaccurate information
Right to revoke authorization at any time
Right to know who has accessed your credit report
Right to opt out of prescreened credit offers

Dispute Resolution

If you believe any credit information we've accessed is inaccurate or being used improperly, please contact our compliance team immediately at compliance@level10.financial. We will investigate and respond within 30 days as required by FCRA.

Consumer Reporting Agency (CRA) Partnership

Level10 partners with FCRA-compliant Consumer Reporting Agencies including MicroBilt to access credit data. All CRA partners maintain strict compliance standards and are regularly audited for data protection practices.

Last Updated: January 2026
FCRA Reference: 15 U.S.C. § 1681 et seq.
Questions? Contact compliance@level10.financial