Questions about your credit

Advance America utilizes information obtained from third party credit bureaus to qualify applicants for a loan, and in many states, reports loan performance activity (on-time, missed payments, etc.) to the credit bureaus.

Please select your situation for additional information:

I was denied a loan with Advance America due to insufficient credit and believe this is inaccurate.

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.


  • 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.


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

I am a victim of ID theft and need to report inaccurate loan activity in my name.

Identity theft is the creation of an account or loan by one person utilizing another individual’s personal information. If your credit report contains a loan with Advance America that you do not recognize, contact us directly at (888) 795-3111.

I have questions about the Advance America loan activity shown on my credit report.

If you believe there is an error on your credit report related to a loan with Advance America, please fill out this form. These errors may include, but are not limited to, the incorrect reporting of a loan status (i.e. current, delinquent, etc.), reporting a loan as being past due when all payments have been on time, a mix-up in the ownership of an account, or the reporting of an incorrect amount owed on a loan. Please be sure to provide as much information as possible. This is the fastest way to ensure the erroneous information on your credit report is corrected. Advance America will reply to your submission by email or letter within 30 days.