Consumer Credit Reports & Assistance (2024)

Consumer Credit Reports & Assistance (1)

How Consumer Assistance Can Help You

Factual Data provides credit information from Consumer Reporting Agencies (CRAs) to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act (FCRA) to obtain credit information for lending purposes. Factual Data does not maintain a database of consumer information from which new credit reports are generated. We may assist you if one of our clients accessed your credit report through Factual Data.

Frequently Asked Questions

Why does Factual Data show up as an inquiry on my credit report?

When a Factual Data client requests a copy of your credit report through our system, the inquiry may display as Factual Data. If you would like to know the name of our client that requested a copy of your credit report, please contact us.

How do I obtain a copy of my credit report from Factual Data?

If a Factual Data client requested a copy of your credit report through our system and you would like a copy of it, please contact us by fax, mail or phone. For the most up-to-date version of your credit report, please contact TransUnion®, Experian®, or Equifax® directly or visit annualcreditreport.com.

How can I get help understanding my Factual Data credit report?

Factual Data can help you understand any information on your Factual Data credit report and answer questions you have about the credit report. Please reach out to us with questions.

How do I dispute inaccurate or incomplete information on my credit report from Factual Data?

If a Factual Data client requested a copy of your credit report through our system and there is inaccurate or incomplete information appearing on it, you can dispute that information by contacting us via fax, mail or phone.

How is my credit score calculated?

Credit scores on your Factual Data credit report are calculated using FICO® scoring models. Factual Data does not calculate your credit score and does not know specific reasons why your score is a certain number.

Can I dispute my credit score?

Credit scores are produced by FICO® and are based off of information that appears on your credit report, such as amounts owed, length of credit history, new credit, payment history, types of credit used, types of inquiries and public record information. Although you cannot dispute a credit score specifically, you can dispute inaccurate or incomplete information that is appearing on your credit report. For additional information regarding scores, please visit www.myfico.com.

Can Factual Data Consumer Assistance explain why I was denied credit?

No. Factual Data does not make lending decisions. For specific questions regarding a lending decision, please contact your lending institution. To obtain a copy of your Factual Data Credit Report, please contact us by fax, mail or phone.

How do I request a block of information on my Factual Data credit report if I’m the victim of human trafficking?

You can submit your human trafficking block request to Factual Data via mail or fax using the form located in the Human Trafficking Block section below (or using any other form of your choosing).

  • Consumer Credit Reports & Assistance (2)Mail your request to: PO Box 530245 Atlanta, GA 30353
  • Consumer Credit Reports & Assistance (3)Fax Number: 866-516-3502

Your request must include: (i) proof of your identity, (ii) victim determination documentation, (iii) a listing of the items on your report that were adversely affected by human trafficking, and (iv) your preferred method of contact (mailing address or e-mail address).

See the CFPB question and answer pagefor more information.

I applied for a mortgage and am receiving phone calls from other companies. Why did this happen?

After applying for a loan, you may be contacted by other lenders or insurance companies soliciting your business. These lenders have obtained your information through the use of trigger leads, whereby an applicant’s information is sold by the Consumer Reporting Agencies for marketing purposes. Factual Data does not sell your information to any third party for marketing purposes.

Does Factual Data sell my information for marketing purposes?

No. Factual Data does not sell your information to any third party for marketing purposes.

Are trigger lead programs permitted under the FCRA?

Yes, trigger leads are a type of prescreened consumer report under the FCRA. Lenders who purchase trigger leads must comply with FCRA requirements pertaining to prescreened reports, including the requirement to make a firm offer of credit.

How do I opt out of pre-screened offers?

You can opt out of receiving pre-screened offers for five years or permanently by contacting:

The Consumer Assistance department can assist you with your Factual Data Credit Report in the following ways:

Request a Copy of Your Factual Data Credit Report

Complete this form if a lender requested your credit report through Factual Data and you would like a copy of it.

Download Form

Questions About an Inquiry from Factual Data on Your Credit Report

If you see a Factual Data inquiry on your credit report, contact us to find out who made the inquiry. If you know the client who accessed the credit report and would like to dispute it, please complete this form and include the name of the client.

Download Form

Dispute the Contents of a Factual Data Credit Report

If you would like to dispute the contents of your credit report that was completed by Factual Data, complete this form.

Download Form

Request an Information Block of Credit Data Resulting from Human Trafficking

If you are a victim of human trafficking, you can block adverse information on your Factual Data credit report that is the result of trafficking using this form.

Download Form

Consumer Assistance Contact Information

Consumer Credit Reports & Assistance (6)

Factual Data

Attn: Consumer Assistance
PO Box 530090
Atlanta, GA 30353
(877) 237-8317

Fair Isaac Corporation

P (888) 446-6785

Website

Free Annual Credit Report

P (877) 322-8228

Website

TransUnion

P.O. Box 1000
Chester, PA 19016
P (800) 888-4213

Website

Experian

P.O. Box 2002
Allen, TX 75013
P (888) 397-3742

Website

Equifax

P.O. Box 740241
Atlanta, GA 30374
P (888) 289-0201

Website

LexisNexis Risk Solutions, Inc.

PO Box 105108
Atlanta, GA 30348-5108
P (888) 497-0011

Website

Consumer Credit Reports & Assistance (2024)
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