{"content":[{"text":"H-3. Model form for credit score disclosure exception for loans secured by one to four units of \n residential real property","bbox":{"left":0.117647,"top":0.066667,"width":0.7489250000000001,"height":0.033637}},{"text":"[Name of Entity Providing the Notice]","bbox":{"left":0.321863,"top":0.125625,"width":0.356104,"height":0.017652}},{"text":"Your Credit Score and the Price You Pay for Credit","bbox":{"left":0.264207,"top":0.159039,"width":0.4712779999999999,"height":0.017652}},{"text":"Your Credit Score","bbox":{"left":0.108824,"top":0.203864,"width":0.141439,"height":0.015151999999999999}},{"text":"How did we use your \n credit report(s)?","bbox":{"left":0.108824,"top":0.230227,"width":0.171183,"height":0.033637}},{"text":"[Insert credit score]","bbox":{"left":0.306961,"top":0.230227,"width":0.15950400000000003,"height":0.015151999999999999}},{"text":"Source: [Insert source]","bbox":{"left":0.306961,"top":0.262576,"width":0.182543,"height":0.015151999999999999}},{"text":"Date: [Insert date score was created]","bbox":{"left":0.524804,"top":0.262576,"width":0.29960299999999995,"height":0.015151999999999999}},{"text":"Understanding Your Credit Score","bbox":{"left":0.108824,"top":0.317121,"width":0.26634099999999994,"height":0.015151999999999999}},{"text":"What you should \n know about credit \n scores?","bbox":{"left":0.108824,"top":0.343485,"width":0.14914999999999998,"height":0.05219699999999999}},{"text":"Your credit score is a number that reflects the information in your credit \n report.","bbox":{"left":0.306961,"top":0.343485,"width":0.5750010000000001,"height":0.03363700000000003}},{"text":"Your credit report is a record of your credit history. It includes \n information about whether you pay your bills on time and how much you \n owe to creditors.","bbox":{"left":0.306961,"top":0.394394,"width":0.584028,"height":0.052122}},{"text":"Your credit score can change, depending on how your credit history \n changes.","bbox":{"left":0.306961,"top":0.463712,"width":0.538387,"height":0.03363699999999997}},{"text":"How we use your \n credit score?","bbox":{"left":0.108824,"top":0.5225,"width":0.140891,"height":0.03363700000000014}},{"text":"Your credit score can affect whether you can get a loan and how much \n you will have to pay for that loan.","bbox":{"left":0.306961,"top":0.5225,"width":0.5614779999999999,"height":0.03363700000000014}},{"text":"The range of scores","bbox":{"left":0.108824,"top":0.581212,"width":0.15782100000000002,"height":0.015152000000000054}},{"text":"Scores range from a low of [Insert bottom number in the range] to a \n high of [Insert top number in the range].","bbox":{"left":0.306961,"top":0.581212,"width":0.548902,"height":0.033713000000000104}},{"text":"Generally, the higher your score, the more likely you are to be offered \n better credit terms.","bbox":{"left":0.306961,"top":0.632121,"width":0.5578540000000001,"height":0.03363700000000003}},{"text":"How your score \n compares to the \n scores of other \n consumers","bbox":{"left":0.108824,"top":0.690833,"width":0.13291,"height":0.07068300000000005}},{"text":"[or] [Your credit score ranks higher than [X] percent of U.S. consumers.]","bbox":{"left":0.306961,"top":0.916894,"width":0.5713060000000001,"height":0.015152000000000054}}],"images_bbox":[{"left":0.351511,"top":0.687826,"width":0.495033,"height":0.212113}],"images_bbox_not_text_overlap":[{"left":0.351511,"top":0.687826,"width":0.495033,"height":0.212113}]}