Solutions

Credco Consumer Assistance

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We're Here to Serve You

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.

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Frequently Asked Questions

Who is Credco?

Credco is a consumer reporting agency that provides consumer reports to its clients (which consist of banks, mortgage companies and other lending institutions) for the purpose of credit risk assessment and/or other purposes as permitted by law. As a consumer reporting agency, we may disclose information about you only to companies that you have authorized to access your information or those that have a permissible purpose under the Fair Credit Reporting Act (FCRA). Credco is a reseller of consumer report information and does not maintain a database from which new consumer reports are produced.

What is a “Credco” Inquiry?

Credco specializes in merged credit reports, which may bring together data from all three of the national consumer credit bureaus (Equifax, Experian, and TransUnion). Our customers (generally for purposes of a lending transaction), use our report to help them determine whether to approve a loan/credit application. If you see the reference to Credco on an inquiry, check for the name of the company that ordered through us.

If you don’t recognize an inquiry don’t immediately assume it is fraudulent. If you recently applied for an automotive loan/lease, applied for a new mortgage loan, applied to refinance an existing loan or have completed other applications for credit, it is likely the inquiry you see may be the result of that transaction. The inquiry will have a date in which our customer requested to receive your information, that can help you identify the specific transaction or application you completed.

If you have researched the inquiry and still do not recognize it or have additional questions you can contact our Consumer Assistance Department calling us at: (800) 637-2422. Our customer service representatives are available Monday through Friday from 6:00AM to 5:00PM PST to assist you.

How can I obtain a copy of my Credco Consumer Report?

If you would like to obtain a copy of your Credco consumer report, please contact Credco’s consumer relations department indicating that you would like a copy of your consumer report.

  1. By calling us at:
    (800) 637-2422. Our customer service representatives are available Monday through Friday from 6:00AM to 5:00PM PST to assist you or
  2. By mail to:
    Credco
    Consumer Relations Department
    P.O. Box 509124
    San Diego, CA 92150

Please be sure to include your first, middle and last name, Social Security number, current address, date of birth and signature on your request.

To safeguard your personal information, we will need to verify your identity. See How Credco Verifies Your Identify section below which outlines the necessary documents for us to process your request for a copy of your consumer report.

How Credco Verifies Your Identity

A Proof of Identify Document is required to verify your identity. Please provide a valid and legible copy of your government issued identification document that matches your complete name (provide one of the following): Driver’s License, State Identification Card, Passport, Military ID, Social Security Card/Individual Taxpayer Identification Number Card.

A Proof of Address Document is required to verify your identity. Acceptable government issued documents include: Driver’s License, State ID Card, Passport, Military ID, Social Security Card/Individual Taxpayer Identification Number Card.

Acceptable Proof of Identity Documents

PERSONAL IDENTIFICATION

  1. Valid driver’s license
  2. Social Security card/Individual Taxpayer Identification Number Card
  3. State identification card
  4. Military identification

ADDRESS VERIFICATION (Provide 1)

  1. Valid driver’s license
  2. Utility bill with your current address*
  3. Rental lease agreement*
  4. Mortgage Statement*
  5. Bank statement*
  6. State identification card
  7. Passport (if address is listed)

* Date of statement/agreement needs to be within last 120 days

How can I get my free annual credit report?

Visit the Federal Trade Commission Consumer Information site https://www.consumer.ftc.gov/articles/free-credit-reports

Disputing errors in your Credco Consumer report

How do I dispute information contained on my Credco consumer report?

If you believe information contained in your Credco consumer report is inaccurate or incomplete, here’s how you can notify us to dispute such information:

  1. Call us at (800) 637-2422. Our Customer Service Representatives are available Monday through Friday from 6:00AM to 5:00PM PST to assist you with the dispute process; or

  2. Mail us your dispute. Our address is as follows:
    Credco
    Consumer Relations Department
    P.O. Box 509124
    San Diego, CA 92150

Once we receive this information, we will reinvestigate the disputed information and the results of the reinvestigation will be sent to you.

Please be sure to include your first, middle and last name, Social Security number, current address, date of birth, your signature, a list of the item(s) and reason that you would like to file a dispute. You may also provide documentation that supports your dispute request.

Information on Fraud Alerts

Visit the Federal Trade Commission Consumer Information site at: https://reportfraud.ftc.gov/

Request a File Freeze

As Credco is a reseller of consumer reports, if you would like to place a freeze on your Consumer File, you may contact the national consumer reporting companies below. The addresses, phone numbers and websites are as follows:

EQUIFAX
P.O. Box 740256
Atlanta, GA 30374
(800) 525-6285
www.equifax.com

EXPERIAN
P.O. Box 9556
Allen, TX 75013
(888) 397-3742
www.experian.com

TRANS UNION
P.O. Box 6790
Fullerton, CA 92834-6790
(800) 680-7289
www.transunion.com

Blocking of information due to Identity Theft

If you believe that items on your Credco consumer report are the result of identity theft, please contact us:

  1. Call us at (800) 637-2422. Our Customer Service Representatives are available Monday through Friday from 6:00AM to 5:00PM PST to assist you.

  2. Contact us by Mail. Our address is as follows:
    Credco
    Consumer Relations Department
    P.O. Box 509124
    San Diego, CA 92150

You can also obtain an Identity Theft Report by visiting the Federal Trade Commission (“FTC”) website at https://identitytheft.gov.

For Credco Consumer Related Inquires:

Credco
P.O. Box 509124
San Diego, CA 92150
(800) 637-2422

Hours of Operation:
Monday – Friday from 6 a.m. to 5 p.m. Pacific Time