Follow-up Pilot Study for Potential FACT Act Accuracy Study

SURVEY INSTRUMENT FOR PILOT STUDY

A Screening Interview with Demographic Questionnaire
B Consumer Consent Form
C Instructions for Establishing MYFICO Account
D Checklist for Consumer to Prepare for Review of Credit Reports
E Spreadsheet for Cross-Bureau Comparisons of Key Elements in
Credit Reports {SAMPLE}
F Interviewing Guide for In-Depth Review of Credit Reports
G Information Given to Consumers for Filing Disputes
I Follow-up Survey to Assess the Process and Confirm
Dispute Outcomes

A. Screening Interview with Demographic Questionnaire

Screening Questions for FTC Pilot

Hello, my name is ______________. I am calling on behalf of the Georgetown University
Credit Research Center and the Center for Business and Industrial Studies at the University
of Missouri-St. Louis. We are conducting a study for the United States Federal Trade
Commission on the accuracy of credit bureau information. You should have received a
recent letter from the FTC indicating that your household was selected at random for this
study and that we would be calling you. Do you have the package of materials from the FTC?
First we must ask if you or a person in your immediate family works for a credit reporting
agency such as Equifax, Experion or Trans Union.
If yes, express thanks for taking the call but indicate that we are not permitted to
include such households in the survey.
The study applies to adults (age 21 or over) who have had some type of credit card, consumer
loan or mortgage loan. Are there individuals in your household who are over 21 and with
any type of credit card, car loan, home mortgage or other type of consumer loan in the past
ten years? ______.
If no one in the household meets these criteria, then express thanks, indicate that
the household does not meet the criteria for the study and exit.
We will be interviewing only one consumer in each household and are choosing the eligible
person with the most recent birthday if that person is available. May we speak with that
person?
If same person, go to Informed Consent:
If person with most recent birthday is a different person and not available, ask
for person with next most recent birthday if available contact information and call
back.
For newly introduced eligible householder with most recent birthday:
Hello, my name is ______________. I am calling on behalf of the Georgetown University
Credit Research Center and the Center for Business and Industrial Studies at the University
of Missouri-St. Louis. As we indicated to ____________, we are conducting a study for the
United States Federal Trade Commission on the accuracy of credit bureau information. Do
you have the package of materials from the FTC? _____
Qualification and Informed consent:
Perhaps I should give you a bit of background for the study.

Credit bureau information is used widely in granting credit, for setting loan rates and
insurance premiums, and also by employers when making hiring decisions. This study will
help the United States Federal Trade Commission (FTC) assess the extent to which
consumers may be affected by erroneous credit-bureau data. It is necessary to survey
individual consumers to obtain information needed for this important assessment.
If you participate in the study, you will receive a free credit report and credit score from each
of the three major credit bureaus. We will provide you with expert assistance to help you
review and understand your credit report and credit score. You will be asked to identify and
report any significant errors to the credit bureaus (with our help, if necessary). We will
follow up to see if the requested changes were made to the credit-bureau files. All
information collected and its use are protected and regulated by law.
File Typeapplication/pdfFile TitleList of ExhibitsAuthorDena WillFile Modified2007-02-05File Created2007-02-05