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. 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).
Mail your request to: PO Box 530245 Atlanta, GA 30353- Fax Number: 866-516-3502
Mail your request to: PO Box 530245 Atlanta, GA 30353Your 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.
What are trigger leads?
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 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.
Are there benefits to receiving pre-screened offers?
Yes. For a full list of benefits, visit www.optoutprescreen.com
How do I opt out of pre-screened offers?
You can opt out of receiving them for five years or opt out of receiving them permanently using one of two methods:
- Call toll-free 1-888-5-OPTOUT (1-888-567-8688)
- Visit www.optoutprescreen.com
Will opting out affect my credit score?
Opting out has no effect on your credit score or your ability to apply for or obtain credit or insurance.
How long does it take to process my opt-out request?
Requests to opt out are processed within five days, but it may take longer in certain instances before you stop receiving pre-screen offers. Please note, Factual Data does not process these requests.
I submitted an opt-out request several weeks ago. Why am I still receiving offers?
Even though your request becomes effective within five days of your request, you may not see an immediate reduction in the amount of offers you receive. This is because your name may have already been provided to some companies that have not yet mailed their offers to you.
While your name will be removed from the lists that credit repositories provide to businesses for the purpose of making you a firm offer of credit or insurance, you may continue to receive offers from sources that do not use Consumer Credit Reporting Companies to compile their lists.
Source: www.optoutprescreen.com
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
Dispute an Inquiry from Factual Data on Your Credit Report
If you see a Factual Data inquiry on your credit report that you believe is inaccurate, complete this form to dispute it.
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 illegal trafficking using this form.
Download Form
Consumer Assistance Contact Information
Factual Data
Attn: Consumer Assistance
PO Box 530090
Atlanta, GA 30353
(877) 237-8317
Fair Isaac Corporation
P (888) 446-6785
Free Annual Credit Report
P (877) 322-8228
TransUnion
P.O. Box 1000
Chester, PA 19016
P (800) 888-4213
Experian
P.O. Box 2002
Allen, TX 75013
P (888) 397-3742
Equifax
P.O. Box 740241
Atlanta, GA 30374
P (888) 289-0201
LexisNexis Risk Solutions, Inc.
PO Box 105108
Atlanta, GA 30348-5108
P (888) 497-0011
