Frequently asked questions about our products and services

Questions about our services? Find the answers here. For questions not answered by the information below, check our site map for additional information links, or contact us online, or call now: 866-568-3706.

• How fast is report turnaround?
• Do you charge extra fees for becoming a customer?
• What is your report pricing?
• I have a net branch company. How can Advantage help me?
• What is your turnaround time on customer service requests?
• Do you provide a re-score & rapid correction service?
• Do you accept documentation to update accounts?
• Are there any additional charges for customer service requests?
• Do you provide reports for borrowers outside of the United States?
• How do I get my updated reports or supplements?

Fast. For all electronic credit reports, including tri-merge, bi-merge and single-bureau reports, Advantage has a median turnaround time of about 15 seconds. Many other products have nearly instant turnaround times, but some can take 24-48 hours, depending on the type (international credit reports for example). If you have a question on turnaround for a specific product that is not answered by the product information contained on this website, contact us.

No! Advantage charges only for reports ordered. Unlike many vendors in the credit reporting industry, Advantage requires no sign up fees, no minimums and no on-going volume commitments. That means you can use Advantage Credit risk free. Many customers start with us for a back-up vendor, and quickly move to using Advantage as primary vendor because of our easy web system, fast & friendly service, readable report formats and lack of hidden fees. For more sign up information, contact us or become a customer now.

Advantage Credit provides a customized quote based on your volume and your mix of products and services used. We are competitive with all the major credit reporting companies in the market and often do significantly better in pricing. You will find that you can grow your business faster using Advantage Credit than using other credit reporting companies. That's one reason why Advantage Credit's customer retention rate is among the highest in the business.

Need a price quote right now? Contact us online or call 866-568-3706 for immediate assistance.

We can help in many ways. Advantage Online has built-in administrator functions that allow a company to have multiple users and locations, and to control what each user can order, view and add to the credit bill. Rolled-up reports showing branches, transactions and fees make it easy to manage remote office credit expenses. In addition, this easy, intuitive web system makes training fast. Two of the country's largest branch brokerages—Allied Home Mortgage Corporation and Carteret—use Advantage Credit for credit reporting. For more information, see Net Branch Solutions.

24-48hrs. Every effort is given to complete all customer service requests within this time frame. Usually the delay in turnaround time is due to missing information, waiting on a call back from a creditor or a return verification from a creditor or landlord.

Yes. The name of this service is Accurate Credit. The Accurate Credit service allows you to correct legitimate errors, that have required documentation, in 3-10 business days, with most corrections and rescoring taking place in under 5 days. The corrections and re-score calculations are done directly with the three credit bureaus.

Yes. However there are a few guidelines that we have to follow to insure that the documentation received is acceptable and accurate. The changes we make are considered cosmetic and do not affect the information in the credit file at the bureau level. For changes at the bureau level, an Accurate Credit can be used. For more specific information, contact us or visit our Customer Service section of this website.

Yes, there are some additional charges depending on what type of report you are requesting, the work to be done and what the request is. Click here to see a list of common customer service charges. Using Advantage Online saves phone time & provides real-time status updates on the request. You can also send multiple requests at the same time to save even more time using Advantage Online.

Yes. We provide two types of non-U.S. reports. One is a Canadian credit report and the other is an International credit report.

Newly ordered reports and updated reports are delivered back to the customer via Advantage Online. To retrieve reports, customers can log on and choose the View Reports option. For a self-running screen tour of ordering and viewing reports with Advantage Online, click here.