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hi my name is adam whitmer and im your host here compliancecohort.com this compliance clip is going to talk about combining the credit score disclosure with adverse action notices now i thought itd be fun to try something different and i decided i would just try to dance during this entire clip just to keep the pace for me as im recording these videos in a batch so our question today is something that ive been asked over the years this question is is it permissible to combine an adverse action notice with a fair credit reporting act notice this isnt working so im going to stop all right now these notices basically have the same information right they include the credit score they include the range of possible scores the date of credit score and the key factors right these are included in the fair credit reporting act disclosures that go to the customer after you pull a credit report right either the risk-based pricing notice exception notice or the other fair credit reporting act