California Consumer Privacy Act (CCPA)

Heard about the CCPA and wondering how and if it applies to Advantage Credit, Inc. and your data?

The California Consumer Privacy Act (CCPA) was signed into law on June 28, 2018, and went into effect on January 1, 2020. This law expands on a consumer’s right to know what data businesses have on them, request the deletion of that data, and prohibit the sharing of that data with a third party.

Advantage Credit, Inc. is a reseller of consumer credit information (“Reseller”) pursuant to the Fair Credit Reporting Act (“FCRA”) (15 U.S.C. § 1681a(u)). As a Reseller, our company does not maintain a database of consumer credit reporting information, but rather assembles reports based on information obtained from the nationwide credit reporting agencies. In order for our company to provide information regarding a consumer, our client must certify that it has a permissible purpose pursuant to the FCRA, and has obtained the consumer’s consent. Thus, we do not provide consumer reports for transactions that are not initiated by the consumer.

Please be advised that as a Reseller of credit data, Advantage Credit, Inc. is designated as a Credit Reporting Agency (CRA), and as such the data we use is regulated by the FCRA and our activities are exempt from the CCPA.

If a consumer wishes to contact the nationwide Credit Reporting Agencies, consumers may contact the Bureaus at www.annualcreditreport.com.


Alternately, consumers may reach them via phone:

  • Experian: 1-888-EXPERIAN (1-888-397-3742), or 714-830-7000
  • TransUnion: 800-916-8800
  • Equifax: 800-548-7878, or 866-640-2273



  • The CCPA does not apply to the following types of activities:
    Consumer credit reporting activities: Activities involving the collection, maintenance, disclosure, sale, communication, or use of any personal information bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living by a consumer reporting agency that provides information for use in a consumer report (as defined in the Fair Credit Reporting Act (FCRA)), and by a user of such a consumer report to the extent governed by the FCRA.

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