CONSUMER CREDIT REPORTING
CONSUMER CREDIT REPORTING
If you are contacting CIC Credit for a copy of your report that has been pulled by one of our subscribers, please contact us, or login by entering the Instant View ID and password found at the end of the CIC Credit report. If you have a charge on your debit/credit card from CIC Mortgage Credit, this is in connection with one of our subscribers pulling your credit file. Please contact your creditor about this charge. We process payment cards on the creditor’s behalf.
Free Annual Credit Report
The official site to help consumers obtain their free credit report.
This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian, and Transunion.
Dispute Your Consumer Report with CIC
If you would like to dispute the accuracy of a consumer report issued by CIC Credit, please email email@example.com to start the simple process. Additionally, you can call 800-352-5882 for assistance, or you may contact the below bureaus as well.
Please include the following information with your dispute request:
- Full name
- Profile ID number
- Social Security Number (do not provide if sending via email)
- Phone number
- Copy of driver license or photo ID (please enlarge and ensure copy is clear and legible)
- Description of the specific incorrect information and the nature of your dispute
- Documents to support your dispute (if available)
- Your signature or written consent
Credit REPOSITORY ONLINE PORTALS
Equifax Online Dispute
No account required
Experian Online Dispute
Requires Experian consumer credit report
TransUnion Online Dispute
Requires TransUnion account setup
Under the Fair Credit Reporting Act (FCRA), consumer credit reporting companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you (Firm Offers). The FCRA also provides you the right to opt-out, which prevents consumer credit reporting companies from providing your credit file information for Firm Offers.
The Consumer Financial Protection Bureau’s mission is to make markets for consumer financial products and services work for Americans, whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products.
Have questions? We’d love to chat!
Credit Bureau Contact Information
National Consumer Assistance Center
PO Box 2002
Allen, TX 75013