You will need to provide proof of your identity, including your Social Security number, date of birth and a copy of your ID (like your drivers license or passport). You can have the reports mailed to you or print them from your computer. Revolving accounts are variable lines of credit with interest accrued based on the credit balance. For example, if you recently opened a credit card account, you may only see the code "0" which means that there is no balance or you may see an "X" which means that nothing was reported that month because it is so new. This table defines the Fannie Mae credit report data file. "They were very creative in helping us find a solution for our pricing model That has saved us a ton of money.". Just to be safe, though, it's a good idea to call the lender or creditor you applied with to verify Factual Data Corp.'s involvement. Update: This article has been updated to reflect FDCs current contact information. Stay up-to-date on the latest credit card news from product reviews to credit advice with our newsletter in your inbox twice a week. If you notice an inquiry you dont recognize, it could indicate identity theft. Factual Data Corp. (FDC) is a credit reporting agency employed by lenders to obtain potential borrowers' credit reports from Experian, Equifax and TransUnion. Safescan Alerts A fraud prevention tool that compares consumer-provided information against a separate nationwide database. Payment status is the current status of your adverse account. this post may contain references to products from our partners. Kroll Factual Data (also known as "Factual Data, Inc.") is an employment screening background check service based in Loveland, Colorado. You can get all three reports at once for free by ordering directly from AnnualCreditReport.com. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. factual data credit report - dreamsapphire.com A personal statement is a statement the consumer chose to have added to his or her credit report. Keep an eye on your inboxwell be sending over your first message soon. Factual Data - Consumer Attorneys 7/13 Bureau Score Information: Lists the bureaus that were requested and the score. A credit inquiry is a record on your credit report that shows who accessed your information and when. Equifax's codes include: * = Current N = Current account/zero balance-no update tape received 0 = Current account/zero balance-reported on update tape 1 = 30 days past the due date 2 = 60 days past the due date 3 = 90 days past the due date 4 = 120 days past the due date 5 = 150 days past the due date 6 = 180 days past the due date 7 = Bankruptcy Chapter 13 (Petitioned, Discharged, Reaffirmation of Debt Rescinded) 8 = Derogatory, e.g. Ultimately, Factual Data pulls your credit report from all three credit bureaus (Experian, Equifax, & TransUnion) and merges it into one concise report, so lenders can make clear and quick decisions on whether they should provide you with a loan or not. (Equifax, Experian, and Transunion) Most items fall off of those reports after 7 years. This usually happens when you apply for financing. 2. All of our content is authored by highly qualified professionals and edited by Factual Data insights Based on 34 survey responses Areas for improvement Overall satisfaction Sense of belonging General feeling of work happiness Trust me, apply elsewhere Consumer assistance (Former Employee) - Pittsburgh, PA - October 4, 2022 When I started, I really thought I was going to stay permanently. Creditors, like banks and credit card issuers, report information about their customers and accounts. Many consumers have a difficult time understanding their credit reports and piecing the three reports together, so here are examples and explanations of the most common elements that appear in each of the three free credit bureau reports. If it is clear that that consumer doesnt meet your criteria after a soft inquiry, you canstop the process and avoid additional downstream expenses. How to Read Your Credit Report | TransUnion | TransUnion That's in addition to the one free Equifax report (plus your Experian and TransUnion reports) you can get at AnnualCreditReport.com. Most of them contain identifying information that could be used for fraud or identity theft. A report number is generated by the three credit reporting agencies as a reference for consumers to use if they should need to contact the issuing bureau. OFAC Alert Provides a record of the check against the Office of Foreign Assets Control database for USA PATRIOT Act compliance. You can order one free copy of your credit report each year from the three main reporting bureaus: Equifax, Experian and TransUnion. All Rights Reserved. What Is Factual Data On Credit Report - KnowYourCreditScore.net 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). factual data credit report - exoticcarlife.com Factual Data Corp. (FDC) is a credit reporting agency employed by lenders to obtain potential borrowers credit reports from Experian, Equifax and TransUnion. Bankrates editorial team writes on behalf of YOU the reader. Box 2002Allen, TX 75013P (888) 397-3742, P.O. Your credit history is the largest section of your credit report and the most important. Not only can Pre-Qualification reports help reduce the downstream expenses associated with more exhaustive credit evaluations they have no impact on the consumers credit score and do not produce trigger leads that alert the competition. If you would like to access, delete, or otherwise exercise your rights under the California Consumer Privacy Act with regard to this personal information, please submit your request to us online through this form or by contacting us at privacy@factualdata.com. Factual Data by CBC - Floify Help Center Combining innovative services with cutting-edge technology and industry-leading customer service, Factual Data enables prompt, accurate decisions. Credit management Plan the structure of the report. Consumer Credit Reports & Assistance | Factual Data Keep your credit reports in a safe place. Factual data - myFICO Forums - 4633823 The integration is available to all LendingPad users and will automatically populate credit information into the platform. Each of the reporting companies uses a different code series. A Guide to Equifax Credit Report Terminology Reading time: 5 minutes Highlights: Some terms on your Equifax credit report may be unfamiliar to you Here is a guide to definitions of terms you may see on Equifax credit reports Regularly checking your credit reports can help ensure your information is accurate and complete Instructions discuss whether you should review all three reports immediately, or whether you should spread the requests over a period of time. This will help you spot changes and errors from one year to the next. Your FICO credit score is calculated with quite a few factors, including amounts owed (30 percent), the length of credit history (15 percent), new credit (10 percent) and credit mix (10 percent). Share. Factual Data is a leading provider of merged credit reports, flood zone determinations, and data verification services to the mortgage lending industry. We would be honored to have the opportunity to work on improving your credit scores and assisting you to achieve both your personal and financial goals. This no-risk entry point can help to establish a positive initial relationship with the consumer, and help them understand their buying power. The type of inquiry is the scope of credit history requested whether a persons credit history or an organization or businesss credit history. [3] INQUIRY DATA:Shows information used to inquire on the file. Should you accept an early retirement offer? Content published under this author byline is generated using automation technology. If you continue to miss the due date, you can incur additional late fees. You can do this by yourself or with the help of a credit repair professional. how to read a factual data credit report. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. However, its possible that an unfamiliar credit inquiry on your report could be the result of multiple potential lenders pulling your report after you apply for a loan or mortgage. The Fair Credit Reporting Act (FCRA) requires any information considered inaccurate, incomplete or unverifiable to be corrected or deleted from your credit report within 30 days. How long does factual data stay on credit report? Weve maintained this reputation for over four decades by demystifying the financial decision-making For questions regarding how to report transferred, sold or purchased accounts, please contact your Data Reporting Representative or the Data Operations team at dasworkpool@transunion.com or (800) 303-9664. Credit information about closed accounts in good standing will disappear from your credit report after 10 years. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. Is Factual Data A Legit Company. We do not include the universe of companies or financial offers that may be available to you. You have money questions. Although you cannot dispute a credit score specifically, you can dispute inaccurate or incomplete information that is appearing on your credit report. Check to make sure that the accounts current credit limits or original loan amounts are correct. Factual Data provides credit check services for lenders. Every day, we continue our mission of Helping Lenders Expand Homeownership. You might also see: G = Collection H = Foreclosure J = Voluntary surrender K = Repossession L = Charge off B = Account condition changed, payment code not applicable - = No payment history that month, Review your Equifax Payment History. editorial integrity, You can pull your 3B report at this site and see exactly what is on there and what your mortgage scores are. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Hard inquiries typically drop your score by a couple of points, but they can be more detrimental if you have several of them on your report. Offers may be subject to change without notice. Justify your conclusions with facts and state where you found them. This site may be compensated through third party advertisers. Pre-approval is a more concrete demonstration of the consumers creditworthiness. You can have the reports mailed to you or print them from your computer. Founded in 1985, this agency is not accredited by the Better Business Bureau (BBB). We can help you remove it (potentially) Call now for your FREE credit consultation! Chapter 13 bankruptcy will remain in the credit report for 7 years from the filing date. Kroll Factual data appears to be mainly . Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. How's your credit? Atlanta, GA 30348-5281 Adverse accounts, or potentially negative items, are credit accounts you have opened and have been reported as either unpaid or paid after a due date during one or more months throughout the history of the credit line. Can Factual Data Consumer Assistance explain why I was denied credit? Offering a variety of credit data solutionsfrom credit reports to workflow solutions designed to build automation and efficiency into your lending process. Only some employers will report your employment information to one or all of the credit bureaus. For a Free Consultation & Credit Evaluation Call: 800-750-1416. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. It does require a hard credit inquiry. Account Optimize Your Lead Investment with Pre-Qualification Reports. PDF CoreLogic Credco Executive Summary Sample Report Soft inquiries, as described above, simply verify your score. (fixed number With tools designed to enhance efficiency and streamline processes, Factual Data by CBC solutions can assist with merged credit report services, identity, income and employment verification, fraud and risk mitigation, flood determinations, property . EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. App Store is a service mark of Apple Inc. Here you can download the consumer request form. You can contact FDC at the address or phone number below: 400 Holiday Dr., Suite 300 Pittsburgh, PA 15220, Phone Number: 800-216-3463 Website: http://www.factualdata.com. See the online credit card applications for details about the terms and conditions of an offer. To request a free copy of your Factual Data credit report you can write or call them: Factual Data Attn: Consumer . Regularly reviewing your credit report at least once a year also gives you a chance to correct any errors to make sure your credit report is an accurate representation of your financial situation. This information includes the types of accounts, the date those accounts were opened, your credit limit or loan amount, current balances on the accounts and payment history. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Contact Factual Data or the company that used their services to check your credit and gather the details of the application. If you havent already, take a few moments to look up your score and an overview of your report with a credit monitoring service. Go to www.identitytheft.govand answer the questions to generate an identity theft report and recovery plan. Credit cards are revolving accounts. Trended credit data doesn't change the credit scores used by the mortgage industry. Credit usage over time. how to read a factual data credit report. How much should you contribute to your 401(k)? All of these can hurt your credit score because they show a pattern of serious delinquency. This interactive guide will help you determine the most effective way to acquire your report and how to read and understand it once you receive it. That means your credit report could feature an entry . If an item is suppressed on your credit report, it means that the credit reporting agency is withholding the account information from anyone besides you who requests your credit report. However, if FDC Corp. is on your report by mistake, you should do what you can to have the hard inquiry removed from your credit report. As such, they may obtain one or all of your credit reports in the screening process or a merged Factual Data credit report. Make sure the public record pertains to you with the correct name, date of birth, address, and personal information included. Pre-Qualification Application Processing Underwriting Pre-Closing Post-Closing Learn More Credit Services However, all credit card information is presented without warranty.