If You Are Denied Credit
If you apply for credit but are turned down due to your credit report, the lender must provide you with a notice of Adverse Action. This letter will list the name of the CRA that supplied your credit report to the lender and will also provide you with the CRA’s contact information. Provided you make the request within 60 days of receiving Adverse Action, you may obtain a free copy of your credit report from the CRA.
If you have received a denial letter informing you of Adverse Action from your lender listing Advantage Credit, Inc. as the CRA that provided the report, you may contact Advantage Credit Inc. to request a copy of your report by sending an email to Consumerdisputes@advcredit.com.
Upon receiving your email, Advantage Credit, Inc. will ask you to supply your Adverse Action letter; upon verification of the letter and your identity, Advantage Credit, Inc. will mail you a free copy of your credit report.
If you have an inquiry on your report within the last two years from Advantage Credit, Inc./Advantage Credit, Inc.’s client and you wish to dispute an item on your report, you may initiate this through Advantage Credit, Inc. via email to Consumerdisputes@advcredit.com or you may dispute an item on your report at anytime and without restriction with the Bureaus directly via www.annualcreditreport.com.