This notice describes the privacy practices of: Credit Bureau of Howell County (CBHC), Credit Bureau Associates (CBA), and The Credit Bureau (CB). These names are all one and the same company, located at 1012 West Broadway, West Plains, Missouri, hereinafter referred to as CBHC.

The CBHC has always and will continue to protect privacy of the consumer as it relates to the use of non-public personal information. The CBHC is governed by the Fair Debt Collection Practices Act (FDCPA), Public Law 95-109 -15 U.S.C. Sections 1692(a) through 1692(o), as well as, the Fair Credit Reporting Act (FCRA), 15 U.S.C. Sections 1681-1681(u). In addition, when working with a Healthcare Provider and receiving protected health information (PHI), the regulations of the Health Insurance Portability and Accountability Act of 1996 (HIPAA) will apply.

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INFORMATION

The information collected by CBHC may include information provided by the consumer, submitted through clients of CBHC, through whom the consumer has sought to do business or has had past transactions; additional information provided by the consumer to verify identity for the consumer's protection; information provided by credit reporting agencies; or information collected from public record sources.

HOW WE USE

The CBHC does not sell non-public information regarding the consumer to organizations for the purpose of contacting them about their services or products. Information may be used for internal business intent, such as billing, customer service or fraud prevention.

DISCLOSURE

The CBHC may disclosed location information in limited fashion as allowed by FDCPA Section 804. Third party contact practices, governed by FDCPA, Section 805b, allow communication with a debtor's spouse, attorney, a consumer reporting agency, the creditor or creditor's attorney and the attorney of the debt collector. Disclosure may be made to governmental authority or to an auditor in response to an inquiry or an audit.

CONFIDENTIALITY

The CBHC is concerned with the protection of non-public information and protected health information of the consumer. In order to comply with HIPAA, a contract agreement is made and entered into with each Healthcare Provider client. Physical, electronic and procedural safeguards have been established to protect customer information and ensure that information is disclosed only for authorized or permitted purposes. In addition, employees who have access to protected information to fulfill and service customer's needs are educated regarding disclosure of protected information.

HOW TO CONTACT

Questions or comments concerning the Privacy Policy or information practices of CBHC may be directed to:

Privacy Policy

1012 W Broadway

West Plains, MO 65775

or: customerservice@cbamail.com