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FactorTrust Consumer Inquiry

FactorTrust is a consumer reporting agency that provides consumer reports to third parties 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 are otherwise permitted to access this information.

To Request a Copy of Your Credit Report

If you have recently applied for credit or had any other adverse action taken against you based on information provided by FactorTrust, you are entitled to receive a copy of that same information free of charge. Consumers may request a free copy of their report annually. You may request a copy of your report three different ways:

Please Note: We cannot inform you of the specific reasons why you may have been denied. We can only supply you with the same information given to the lender at the time of your application.

To Request an Investigation

To request a complimentary investigation, you may send your dispute online or you may send your dispute by fax to: 770-980-9414 or mail it to: FactorTrust, Inc., Attention: Consumer Inquiries, PO Box 3653, Alpharetta, GA 30023.

If you write to us regarding a dispute, please be sure to include the following information: name, last four of your social, date of birth, current phone number, current address, the credit report number and 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.

Security Freeze

A security freeze, sometimes referred to as a credit freeze or a consumer report freeze, prevents lenders from checking your credit report, giving you more control over who gets access to your information

Please note that this Security Freeze only applies to your FactorTrust credit report and is not shared with the three national credit reporting agencies. Please contact one of them directly to review your security freeze options.

You can request or manage your security freeze online by clicking here.

You can also print and complete this form and return it to us along with all the required documents. You may fax it to 770-980-9414 or mail it to: FactorTrust, Inc., Attention: Consumer Inquiries, PO Box 3653, Alpharetta, GA 30023.

To Opt-Out of Prescreen Offers

FactorTrust maintains information that can be shared with customers to mail you a firm offer of credit or insurance. These are referred to as “prescreened” offers. If you would like to “opt-out” and be excluded from receiving prescreened offers based on FactorTrust-generated lists click here, or notify us at the following address or phone number:

FactorTrust, Inc. ATTN: FCRA Opt-Out
P.O. Box 3653 Alpharetta, GA 30023
1-844-773-3321

Your notification must include your full name, social security number and date of birth along with your current mailing address.

Additional Consumer Support Links

Click these links if you would like to set up a Fraud Alert or Active Duty Alert online.

Consumer FAQs

Click here for FactorTrust FAQs.