Factual Data provides credit reports from the Nationwide Consumer Reporting Agencies (NCRAs), Experian®, Equifax® and TransUnion®, to its clients. Factual Data clients are primarily banks, mortgage companies and other lending institutions and 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.
How Consumer Assistance Can Help You
The Consumer Assistance department can assist you with your Factual Data Credit Report in the following ways:
Provide a free copy of your Factual Data Credit Report requested by our client
Dispute inaccurate or incomplete information appearing on your Factual Data Credit Report
Guide and answer questions regarding your Factual Data Credit Report
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, phone, or in person. For the most up-to-date version of your credit report, please contact the NCRA(s) directly or visit www.annualcreditreport.com.
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, phone, or in person.
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.
I received a call from Factual Data. What should I do?
If you are in the process of obtaining a loan and received a call from Factual Data with a request for a callback or conference call, please contact our Customer Service Department at (800) 351-9120 to reach a representative.