(800) 243.0120

Avantus - Mortgage Credit Reports

Information for Consumers


Avantus inquiry on your credit report?

Avantus is a business to business Consumer Credit Reporting Agency which delivers credit reports to lenders in connection with a mortgage loan application. If you have been involved in a recent mortgage transaction with a lender or broker, there is a good chance that they legitimately accessed your credit information through Avantus.

Be assured that access to your personal consumer credit information is restricted. The FCRA specifies that only those companies with a valid business need and with your authorization may access consumer credit agency information about you in connection with a credit application initiated by you.

If you wish to discuss this matter with our compliance department, please contact us during our normal business hours of M-F 7:00 a.m. - 5:00 p.m. EST @ (800) 243-0120 Ext 107.



Obtaining a Copy of Your Credit Report

Federal law requires that the credit repositories provide consumers one free copy of their credit report each year. You can access a copy of your credit report from www.annualcreditreport.com.



myFICO, the consumer division of Fair Isaac - the company that invented the FICO® credit risk score that lenders use - offers a 100% Risk-Free 30-day free trial of Score Watch.

Score Watch monitors important changes to your credit file and FICO® score, and:

  • Notifies you when you reach your target score or when you qualify for a better interest rate,
  • Alerts you when unexpected changes to your credit report cause your FICO® score to drop,
  • Provides two Equifax Score Power reports each year.

For more information, please visit myFICO.com.



Credit Repositories

The three major credit repositories can be reached directly at the following locations:

  • TransUnion: Visit online at www.transunion.com. To report fraud or suspected identity theft, call (800) 680.7289.
  • Experian: Visit online at www.experian.com. To report fraud or suspected identity theft, call (888) 397.3742.
  • Equifax: Visit online at www.equifax.com. To report fraud or suspected identity theft, call (888) 766.0008.



Identity Theft

Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information without authority to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name.

If you think that you have been a victim of identity theft, you have a number of rights and resources to protect you. Click here to download our Remedying the Effects of Identity Theft PDF.



view.avantus.com

If you have a Report ID and Key and wish to view a copy of your credit report ordered by your lender, please visit view.avantus.com. If you have a dispute related to any information on a credit report prepared by Avantus and wish to discuss this dispute with an Avantus staff member, please contact (800) 243.0120.