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Patriot Financial USA, Inc. offers a variety of services to help
homeowners manage their credit reports, plan for better credit, and manage
difficult circumstances that can impair the ability to borrow. Ask one of our
knowledgeable loan officers if credit repair or management are right
for you.
We are not a credit repair or counseling firm. We simply give
you the tools you need to help manage your own credit. This service should not
be expensive and you should never allow someone else to manage your bills. If
you are thinking of filing a bankruptcy, please call our offices immediately. Simply filing can cause damage to your credit for the next 7-10 years.
If you are a current or past customer, this service is
free.
Credit Reporting Resources
Credit
Bureaus
The credit history contained in our reports comes
directly from the three major credit bureaus. If you
want to contact the Credit Bureaus with questions or
disputes regarding the information on their reports you
can reach them at:
Equifax (formerly CBI)
PO Box 105873
Atlanta, GA 30348
Toll Free 800.685.1111
www.equifax.com
Experian
(formerly TRW)
PO Box 9601
Allen, TX 75013-2104
Toll Free 888.397.3742
www.experian.com
Trans Union
2 Baldwin Place
Chester PA 19022
Toll Free 800.916.8800
www.transunion.com
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Disputing
Entries on your Credit Reports
If you feel
there are errors on your credit bureau report, you
should file a formal dispute so that the information can
be investigated and corrected. To do this you should
contact each bureau reporting the disputed information
directly at the addresses listed above.
Be sure to include the following information in all of
your correspondence.
-
Your full name
-
Current home address and mailing
address
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Previous addresses covering the
past five years of residency
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Date of Birth(s)
-
Social Security Number(s)
-
Home Phone Number
-
Employer Name
-
List exactly what entries are
being disputed and the reason for the dispute.
Example: Creditor's Name, Account Number and reason
for dispute (i.e. not my account, was not late with
payments, etc.)
-
Be sure that your letter is
signed and dated and maintain a copy for your records.
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ECOA Codes
0 = Undesignated
1 = Individual Account
2 = Joint Liability
3 = Authorized User (Spouse)
4 = Joint (Undetermined whether 2 or 3)
5 = Co-Signor Not Spouse
6 = On Behalf of Account
7 = Subject Primarily Responsible But Has
Co-Signor
8 = Individual Account of Spouse
9 = Subject No Longer Responsible for Account
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Fair Credit
Reporting Act
The Fair
Credit Reporting Act (FCRA), enforced by the Federal
Trade Commission, is designed to promote accuracy and
ensure the privacy of the information used in consumer
credit reports.
To review the FCRA click here.
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How to Opt
Out of Credit Promotions
You have the
ability to "Opt Out" of credit card promotions by
contacting the Direct Marketing Association. All
requests should include your First, Middle and Last Name
(including Jr., Sr., III, etc.), along with your current
address.
Please mail this information to:
Direct Marketing Association
Mail Preference Service
PO Box 9008
Farmingdale, NY 11735
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