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.
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.
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.
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.
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.
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
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 page for more information.
Complete this form if a lender requested your credit report through Factual Data and you would like a copy of it.
If you see a Factual Data inquiry on your credit report that you believe is inaccurate, complete this form to dispute it.
If you would like to dispute the contents of your credit report that was completed by Factual Data, complete this form.
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.

Factual Data
Attn: Consumer Assistance
PO Box 530090
Atlanta, GA 30353
(877) 237-8317
Fair Isaac Corporation
www.myfico.com
P (888) 446-6785
Website
Free Annual Credit Report
www.annualcreditreport.com
P (877) 322-8228
Website
TransUnion
P.O. Box 1000
Chester, PA 19022
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