Flexible billing for better financial management

Make bill payments effortless with several convenient options, from account set-up that tracks your invoices & transactions the way you want, to online bill payment, to payments made directly by your borrowers. That's right: with Advantage Online, your borrower can pay for all their credit report charges directly—you never need receive a credit report bill.

• Account set up & billing options
• Billing FAQs
• Payment Assistant™ Tool
• Pay n' Go™
• Advantage Pay Online™
• Monthly Autopay™
• Phone Pay™
• Viewing statements online
• Viewing transactions online
• Payment address

Account set up and billing options
As a customer, you have already set up your account with Advantage Credit according to your preference. If your needs change, you can use the account set up options below to determine if another billing method would better serve you.

1. Single Bill Identification number with one Customer Identification number: Provides one bill for single or multiple users in the same location if sub-totaling user activity is not necessary. The corporate office takes full responsibility for charges and has unlimited access to credit reports and users.
2. Single Bill Identification number with multiple Customer Identifications numbers: Provides a single bill with each user's or branch's activity (in multiple locations) sub-totaled on the bill. The corporate office takes full responsibility for charges and has unlimited access to credit reports and users.

If you'd like to change your billing set up, contact us online or call the financial services department at 800-600-2510, option 7.

Payment Assistant™ Tool

It’s Fast, easy and ready when you are! Payment Assistant™ is a tool that stores your choice of payment method, credit card or bank draft,and links it to your Advantage Online user name and password. Each transaction will be recorded as a debit on your credit card or bank statement. Detailed invoices will be made available through Advantage Online, informing you of the debited amount, date of transaction and related charges. It’s perfect for multiple users of a company account!

To sign up for Payment Assistant™ print and complete the attached form and fax it to our financial services department at 800-600-2508! Questions? C all our financial services team at 800-600-2510, option 7. 

Pay n’ Go™

Our Pay n’ Go feature allows you to pay for your reports at the time of order! Advantage Credit allows customers to pay for credit reports at the time of order by providing credit card information when the request is submitted. This can be your borrower's credit card, your loan officer or processor's card, or your own. You can also choose to use Payment Assistant™ to pay at the time of order. As long as the card is accepted you will receive the report prepaid. *Please note that each time you use the Pay n’ Go™ feature, you’ll be charged a $0.95 transaction fee.

If the card is declined, no report will be pulled and you will be prompted to edit/change information or resubmit the order without credit card payment. Please note that the initial report payment covers the credit report only; if any customer service work is done for which there are charges, you will need to Pay for Related Charges after the work is completed. If you are using your borrower's credit card, you will need to retain the card information to pay for these charges.

The procedure for paying for customer service charges via borrower's credit card follows:

Step 1: From the home page, search for the borrower using the borrower's name or Social Security number.

Step 2: Once you locate the report, just click on the borrower's Social Security number. This will bring up a list of all charges associated with that borrower.

Step 3: Just check the box next to the borrower's name for each transaction(s) you wish to pay and click on the link Pay for selected charges with a credit card.

Step 4: Then simply enter the credit card information and submit. You will receive a confirmation of your payment and you are done.

See our Online Training section for more information.

Monthly AutoPay™

Our Monthly AutoPay™ option allows you to never think about paying another bill with Advantage Credit! When you sign up for Monthly Autopay, we’ll automatically charge your credit card or checking/savings account with no transaction fee when the monthly payment is due for the account. Each transaction is recorded as a debit on your credit card or bank statement. Your detailed invoice will inform you of the debited amount, date of transaction and related charges.

To sign up for Monthy Autopay ™, simply print and complete the attached form and fax it to our financial services department at 800-600-2508! Questions? C all our financial services team at 800-600-2510, option 7.

Advantage Pay Online™

You can pay your bill online, day or night! Advantage Credit's Financial Services department encourages customers to use the online bill payment option in Advantage Online for fastest processing. Customers using this convenient service have the option of making payments towards their account at any time, day or night-you can pay invoices after regular business hours, during the weekend, and on major holidays. And It's FREE!

Pay Online using Checking/Saving Draft

Pay Online using Credit Card

Pay Online using Checking/Savings Draft

Step 1: Log on to the website using the customer id, username, and password set up for the account.

Step 2: Select the "Billing" tab located towards the top of the screen. If this tab is not visible the user should contact their company's administrator. The user may not have permission to access the billing page. Only the person(s) in their company with adminstrator rights can make this decisions.

Step 3: The Online Bill Payment screen will appear. This screen breaks down the balance due from each billing period and provides a total balance accrued on the account.

Step 4: Select "Pay by Check (ACH)" from the upper right hand corner of the screen.

Step 5: A blank template will appear. Fill in the requested information as it appears on the check. IMPORTANT: WHEN ENTERING THE ACCOUNT NUMBER, DO NOT INCLUDE THE CHECK NUMBER. Additionally, identification information is required before submitting the electronic ACH payment. Please note: a Social Security number or Federal Tax ID (for business accounts) may be used in lieu of driver's license information.

Step 6: After reviewing all information regarding payment, press the submit button. A confirmation screen will appear so you can confirm the dollar amount and account number of the draft being submitted.

Authorization: An authorization includes a reference number that should be retained. It may be used to look up transactions in Advantage Credit's database should a discrepancy ever occur.

Non-Authorization : A Non-Authorization means the transaction was not processed and will provide a reason for the decline.

If problems occur please contact Advantage Credit's Financial Services Department at 1-800-600-2510, option 7, or you may choose an alternate form of payment.

Pay Online using Credit Card

Advantage Credit customers can use Advantage Online's billing & payment options to make free credit card payments towards bills. Customers using this convenient service can make payments at any time, day or night—pay invoices after regular business hours, during the weekend, and on major holidays. Advantage Credit accepts Visa, MasterCard, American Express, and Discover credit cards.

Step 1: Log in to Advantage Online.

Step 2: Select the Billing tab. If this tab is not visible the user should contact their company's Administrator. The user may not have permission to access the billing page. Only the person(s) in their company with administrator rights can make this decision.

The screen below breaks down the balance due for each billing cycle.

Step 3: Towards the top, at the right hand side of the page, click the "Pay by Credit Card" option and the customer will automatically be directed to the credit card payment screen.

Step 4: Fill in the required information.

• Account number - Credit Card Number
• Expiration Date
• Name as it appears on card
• Billing Street Address
• Billing zip code
• Amount

Step 5: Verify the amount of the transaction. Press "submit" if the amount is correct, or press cancel if the amount is incorrect.

Step 6: Click the submit button. You will then receive either an authorization or a decline message once the transaction has been processed.

• The authorization message includes a reference number that should be retained in the customer's records for future reference.
• The decline message informs the cardholder that the card was not approved. The cardholder should contact their financial institution for any additional explanation.

See our Online Training section for more information.

Advantage Phone Pay

You can always call our financial service team and make a payment using your credit card or checking/savings information. Simply call 800-600-2510 and chose option 7. We’re available 8 a.m. to 6 p.m. CST, Monday through Friday.

View statements online

The Billing tab is only accessible to administrators and users who have been granted the right to see billing information by an administrator. Through Advantage Online, customers can pay their bill, view transactions, and view invoices.

Invoices View

• Customers can view their history of invoices, new charges per invoice and new balances per invoice
• Particular invoices can be selected for detailed viewing and printing

Viewing Transactions

The Billing tab is only accessible to administrators and users who have been granted the right to see billing information by an administrator. Through Advantage Online, customers can pay their bill, view transactions, and view invoices. 

Transactions View

• Customers can view all transactions, show payments and credits, and show orders for various time periods
• Customers can choose to view related transactions for a particular borrower's Social Security number
• Customers will also see the date of the transaction and amount per product

Payment Address
Paying your bill online is quick, easy, and secure, but if you would rather pay your bill by mail or would like to overnight a payment, send payments to:

Advantage Credit International, Inc.
c/o Advance Financial Corporation
PO Box 28214
Atlanta, Georgia 30358