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 credit application for various lenders. If you have been involved in a recent 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.
You are entitled to receive a copy of your consumer file, the Consumer Disclosure, from Avantus under federal law and various state laws. A consumer disclosure furnishes you with all of the information that Avantus maintains on you in your consumer file that was delivered by Avantus to a third party (e.g., mortgage lender) in a consumer report.
How can I obtain a copy of my Consumer Disclosure?
If you would like to obtain a copy of your Avantus consumer disclosure, please contact Avantus:
- Phone: 800-243-0120 X340
- Mail: Avantus LLC
70 Jefferson Blvd 4th Floor
Warwick, RI 02888
Attn: Consumer Disclosure
Please be sure to include your first, middle and last name, Social Security number, current and previous addresses and date of birth. To safeguard your personal information, you will also need to provide proof of your identity.
Acceptable Proof of Identity
If you are writing to request a copy of your Avantus consumer file, please include a copy of a document from each of the two categories below:
- Valid driver’s license
- Social Security card
- State identification
- Military identification
And one of the following items to validate your address:
- Valid driver’s license
- Utility bill with your current address
- Rental lease agreement
- Mortgage Statement
- Bank statement
- State identification
- 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.
- Equifax — 1-800-349-9960
- Experian — 1-888-397-3742
- TransUnion — 1-888-909-8872
Obtaining Your Credit Report from the Credit Repositories
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.
The three major credit repositories can be reached directly at the following locations:
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, including placing a Credit Freeze on your consumer file to prevent all access to your information without your consent.
How do I place a freeze on my credit reports?
To place a freeze on your consumer credit report, you must contact each of the nationwide credit reporting companies at the numbers listed below:
You'll need to supply your name, address, date of birth, Social Security Number and other personal information. Fees vary based on where you live, but commonly range from $5 to $10. After receiving your freeze request, each credit reporting company will send you a confirmation letter containing a unique PIN (personal identification number) or password. Keep the PIN or password in a safe place. You will need it if you choose to lift the freeze.
How do I lift a freeze?
A freeze remains in place until you ask the credit reporting company to temporarily lift it or remove it altogether. A credit reporting company must lift a freeze no later than three business days after getting your request. The cost to lift a freeze varies by state.
If you opt for a temporary lift because you are applying for credit or a job, and you can find out which credit reporting company the business will contact for your file, you can save some money by lifting the freeze only at that particular company.
For more useful tips on what to do if you've been a victim of identity theft, click here to download our Remedying the Effects of Identity Theft PDF.
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.