Texas El Declaration de Divulgacion Del Us ode Information de Credito (Texas Credit Disclosure Statement) is a form issued by the Texas Department of Banking in the state of Texas. It is a legal document that outlines the rights and responsibilities of consumers and lenders regarding the collection, use, and sharing of credit information. This document explains the type of information that lenders can collect from consumers, the purpose of collecting the information, how it can be used, and how it can be shared with other parties. It also outlines a consumer’s right to dispute any inaccurate information collected, as well as the right to obtain a free copy of their credit report. There are two types of Texas El Declaration de Divulgacion Del Us ode Information de Credito: the individual credit disclosure statement and the joint credit disclosure statement. The individual credit disclosure statement is for one consumer, while the joint credit disclosure statement is for two or more consumers applying for a joint loan. In both cases, the document outlines the same rights and responsibilities regarding the collection, use, and sharing of credit information.