How do I correct discrepancies in my credit bureau report?

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Happen Bank is required to accurately report a complete history of a Member’s credit relationship. If you believe that your credit bureau report contains inaccurate or incomplete information regarding your Happen account, you can dispute it directly with Happen Bank by completing a dispute form.

You can obtain free copies of your full credit report through Annualcreditreport.com

Or the below major credit bureaus:

Happen Bank cannot make exceptions to our credit reporting process and is unable to remove or change any accurate data that has been reported.

To allow Happen Bank to quickly and accurately review your dispute:

  • Ensure the dispute form is completed accurately.

  • If you have supporting documentation, you may include it in your dispute which may include, for example: a copy of the relevant portion of your consumer report.

Please mail your dispute to:

Happen Bank
Attn: Credit Dispute
88 Kearny Street, Suite 600
San Francisco, CA 94108

We recommend sending your documents using certified mail.

We will only consider data from the major credit bureaus (noted above). We are unable to review data from companies like:

  • CreditKarma.com

  • Myfico.com

Alternatively, you can dispute directly with the credit bureaus:

Happen Bank Resources

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88 Kearny Street, Suite 600
San Francisco, CA 94108

For Personal Loans, APR ranges from 5.96% to 35.99% including origination fee. Most origination fees range from 0% to 8% of the loan amount. Origination fee may be higher for applications submitted through or referred by select partners. APRs and origination fees are determined and disclosed at the time of application. The lowest APR and origination fee may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Origination fee may be referred to as processing fee for certain products. Advertised rates and origination fees are valid as of November 5, 2026, are subject to change without notice and may not be available for all Personal Loan products and/or through all application channels or platforms.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.

Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval. 

Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108. 

“Happen” and the “H” symbol are trademarks of Happen Bank.

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