Consumer Assistance

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.

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.

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.

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.

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.