If you were denied a loan and have questions related to the accuracy of the credit information used to make this decision, you can request your credit report from the credit bureau. Advance America is unable to provide details related to your credit report, and you must contact the credit bureau directly to review your information. If you believe there is an error on your credit report, you have the right to dispute the error directly with the credit bureau.

First, take a look at the Adverse Action Notice received at time of loan denial. This notice will inform you of the credit bureau utilized to make the loan decision – either FactorTrust or Clarity. Once identified, follow the instructions below to pull your credit report.

FactorTrust

• To request a report online: click here to complete the online Factor Trust form

• Fax or Mail - print and complete a hard copy of the form and fax or mail to Factor Trust along with a copy of your driver’s license:

  FactorTrust, Inc.
  Attention: Consumer Inquiries
  PO Box 3653
  Alpharetta, GA 30023
  Fax: (770) 980-9414

• A dispute can be filed directly with FactorTrust by filling out the form at this link. A dispute can also be filed in writing by fax or mail to the information above and should include the following information:

  • Name
  • Last Four Digits of Your Social Security Number
  • Date of Birth
  • Current Phone Number
  • Current Address
  • The disputed Credit Report Number
  • A description of each item on the report that you are disputing

FactorTrust will provide you with the results of your dispute and an updated consumer report within 30 days.

Clarity

A Clarity Services Credit Report form can be accessed using this link. Fax or mail the form to the following:

Clarity Services, Inc.
PO Box 16
Allen, TX 75013
Fax: (972) 390-5743