Better service, better business

Customer service benefits for Advantage Credit customers:

• Online credit report service requests 24/7
• Real-time, online service request tracking
• Short to zero on-hold times
• Regular hours are M-F, 8 a.m. to 6 p.m.(CST)

Have a customer service question? Contact us online or call 800-600-2510, option 5 now.

Policies, forms & documentation requirements for service requests

• Ordering credit reports
• Online service requests—customer login to Advantage Online™
• How to order an Accurate Credit™
• Ordering a business, Canadian or other international credit report
• Service request ordering methods
• Fax policies
• Acceptable documentation for changing an entry on a credit report (cosmetic changes)

Ordering credit reports

• All report requests can be made via Advantage Online. This includes first time orders, re-orders and upgrades.

Credit reports cannot be ordered via telephone. Reports may be upgraded via the phone provided the person requesting the upgrade can authenticate information concerning the report and the account originally ordering the report.

How to order an Accurate Credit

• The mortgage broker and consumer must review the credit report. Items that the consumer feels are inaccurate should be addressed.
• The consumer contacts each creditor with inaccurate information listed and requests a credit reference letter.
• The mortgage broker contacts Advantage Credit Customer Service and discusses the request. The Advantage representative will go over pricing, explain the process, answer any questions the mortgage broker has and will fax a disclaimer form to the broker. The disclaimer form must be signed by the broker and returned to Advantage Credit prior to any documentation being sent to the credit bureaus.
• Within 24 hours of receiving the documentation for the corrections, the Advantage Customer Service representative will contact the mortgage broker if any documentation problems exist, contact each creditor to verify the letters, and then will fax information to the bureaus reporting the account.
• After all contacted bureaus have confirmed that corrections have been made, Advantage Credit will generate a brand new report. If all items were corrected then the report will be sent back to the mortgage broker to review.
• The charge for this product is posted to the mortgage broker's account. No payment from the consumer should be sent directly to Advantage Credit.

Acceptable documentation for Accurate Credit process

• Letter from Creditor or Collection Agency or an online statement—Letter must be from the company reporting the information and on company letterhead with Signature, telephone number and full account information including: The date the account was paid in full or closed if applicable.

• Court Issued Documents—Required for all public record information updates: Release or satisfaction of judgments or liens stamped by the court house
• Bankruptcies— require a letter of discharge and schedules D and F

.

Unacceptable documentation for Accurate Credit process

• Divorce Decree papers
• Receipts
• Money orders
• Copies of checks
• Monthly statements
• Mortgage settlement statements (HUD1)
• Letters from original creditors reporting under collection accounts

Borrower's signed authorization form

This form should always be sent to Advantage Credit by fax when a customer service request is made or when a Residential Mortgage Credit Report is ordered. The purpose for this is to speed up the processing of your request. Most creditors require it from us because they consider Advantage Credit a third party and will not release account information to us without it.

Ordering a business, Canadian, or other international credit report

Simply contact Advantage Credit and speak to a Customer Service representative. They can provide pricing, what information we will need to place the order, give information on the turnaround time and fax you the order form and disclaimer form. You can also access the forms from this website by clicking here.

Full completion of the order form is needed to complete the request. You will retrieve these reports the same way as your standard credit reports from Advantage Online. The charge will be assessed to the mortgage broker's account who requested the report and no payment should be sent to Advantage Credit directly from the consumer.

• For a business report, provide the full business name, full business address, tax identification number and phone number.
• For a Canadian report, provide the full name of the consumer, full Canadian address and Canadian Social Security number.
• For other international reports, provide the full name of the consumer, full country address and requestor's name/phone number, and our International credit reporting expert will contact you. Each country has different information available.

Customer service request ordering methods

Service requests to a credit report can be made by:

• Advantage Online (login now)
• Fax: 800-600-2508
• Email
• Phone: 800-600-2510, option 5

Note: Service requests can only be ordered and received by a person from the mortgage company requesting the credit report; no consumer or 3rd-party requests can be fulfilled.

Faxing of reports

Advantage Credit employees are allowed to fax a copy of a credit report only to the fax number listed for the account ordering the report. If there are additional fax numbers to which a credit report may need to be faxed, those numbers need to be listed on the mortgage company's account record.

Acceptable documentation for changing an entry on a credit report

• Letter from the creditor reporting on the credit report. It must be on company letterhead.
• Western Union quick collect receipt.
• Printed receipt from creditor reporting on the credit report.
• HUD1 settlement statement for mortgage loans only.
• Bankruptcy papers. The creditor listing as well as the discharge letter is required.
• Divorce Decree papers are accepted but are not enough to delete an account or change the manner in which it is reported. The account will be annotated with ** BORROWER NO LONGER RESPONSIBLE FOR THIS ACCOUNT PER DIVORCE DECREE **