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CoreLogic Credco is a consumer reporting agency that assembles and evaluates consumer information and provides consumer reports to third parties for the purpose of extending offers of credit, and/or other purposes as permitted by law. The Consumer Assistance Department at Credco can provide you with a copy of the information we maintain about you that may be used in determining this information.
Dispute information on your Instant Merge Credit Report
A consumer file disclosure furnishes you with all of the information that CoreLogic Credco maintains on you in your consumer file that could be delivered by Credco to a third party (e.g., mortgage lender) in a consumer report. You are entitled to receive a disclosure copy of your consumer file from CoreLogic Credco under federal law and various state laws.
If you would like to obtain a copy of your CoreLogic Credco consumer file, please contact CoreLogic Credco’s consumer relations department indicating that you would like a disclosure copy of your consumer file
Please be sure to include your first, middle and last name, Social Security number, current and previous addresses and date of birth. To safeguard your personal information, we will also need to verify your identity. See Acceptable Proof of Identity below.
If you are writing to request a copy of your CoreLogic Credco consumer file, please include a copy of a document from each of the two categories below:
AND ONE ITEM TO VALIDATE ADDRESS:
The Fair Credit Reporting Act (“FCRA”) allows you to get one free copy of all the information in your credit file from each of three nationwide consumer credit reporting companies (Equifax, Experian and TransUnion) once every 12 months through a central source. To request your free annual report under the FCRA, go to www.annualcreditreport.com, call toll free (877) 322-8228, or use the mail request form available at the central source website and mail to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281.
The CoreLogic Credco Consumer File contains information maintained by CoreLogic Credco. However, your lender may have obtained a report that contains additional information from the three national consumer credit reporting companies, Equifax, Experian and TransUnion. If you are unsure whether the information you are concerned about comes from CoreLogic Credco or from the national credit reporting companies, we encourage you to get a copy of your CoreLogic Credco Consumer File first. Call us at (877) 532-8778.
If you believe information contained in your CoreLogic Credco consumer file is inaccurate, here’s how you can notify us to dispute such information:
Please provide us with the following information in order to assist us in reinvestigating your dispute:
Once we receive this information, we will reinvestigate the disputed information, update your consumer file if our investigation determines that the information is incorrect, and send you the results, usually within 30 days.
If you suspect that you have been or are about to become a victim of fraud or a related crime, including identity theft, you may contact CoreLogic Credco and the national consumer credit reporting companies to request a fraud alert or other alerts permitted under the Fair Credit Reporting Act. The addresses, phone numbers and websites are as follows:
EQUIFAXP.O. Box 740256Atlanta, GA 30374(800) 525-6285www.equifax.com
EXPERIANP.O. Box 9556Allen, TX 75013(888) 397-3742www.experian.com
TRANS UNIONP.O. Box 6790Fullerton, CA 92834-6790(800) 680-7289www.transunion.com
CORELOGIC CREDCOP.O. Box 509124San Diego, CA 92150(877) 532-8778www.credco.com
If you are a victim of identity theft, you should contact the Federal Trade Commission’s Identity Theft Hotline to obtain more detailed information about how to protect yourself and recover from identity theft and to file an identity theft complaint.
By sharing your identity theft complaint with the FTC, you will provide important information that can help law enforcement officials across the nation track down identity thieves and stop them. The FTC can refer victims' complaints to other government agencies and companies for further action, as well as investigate companies for violations of laws the agency enforces.
You can file a complaint online at www.ftc.gov/idtheft by phone through the FTC's Identity Theft Hotline, toll-free: 1-877-IDTHEFT (438-4338); TTY: 1-866-653- 4261; or write: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.
A security freeze, when properly placed, limits when a consumer reporting agency, such as CoreLogic Credco (“Credco”), can release the information it has on you to users of our services without your providing a PIN to unlock such information. A security freeze may be used by anyone, even those who do not believe they have been a victim of fraud, including identity theft. To place a security freeze on your Credco consumer file, please read these instructions carefully.
While the law varies from state to state, in general, you may request a security freeze to be placed upon your consumer file. Credco will, upon such request and proper identification, place a security freeze on your Credco consumer file. Once a security freeze is in place, Credco will provide you with a personal PIN. Once frozen, your Credco consumer file will only be released, subject to certain exceptions permitted by law, when you directly contact Credco, provide us with your personal PIN, and request that any information Credco has on you be released.
At your request, we will place a security freeze on the information we maintain on you in your consumer file, which mainly consists of property transactions and public record information. If you wish to place a security freeze on your credit report with the 3 nationwide consumer credit reporting companies (Equifax, Experian and TransUnion), you will need to contact those companies directly. Credco is not able to place a security freeze with the credit bureaus on your behalf. The credit reporting companies’ addresses, phone numbers and websites are as follows:
Please note that you must contact each credit repository separately to freeze your consumer information.
If you would like to place a security freeze, please contact Credco’s consumer relations department indicating that you would like to place a security freeze. You may contact Credco’s consumer relations by phone, mail or via our secure website to make the request. You must provide the following information in order to request to place a security freeze:
Credco will not be able to process your request if you fail to provide any of the above listed information.
Please note that placement of a security freeze on your Credco consumer file may delay processing of applications for credit, a mortgage, or other credit service. If you place a freeze, you may want to lift the freeze before applying for new credit.
Instructions for lifting and removing security freezes on your Credco consumer file are as follows:
Please include the following information in your request:
P.O. Box 509124
San Diego, CA 92150
(800) 637-2422 (Credit Report inquiries)
(877) 532-8778 (CoreLogic Credco Consumer File inquiries)
Monday - Friday from 6:00 AM to 5:00 PM Pacific Time