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Mistakes happen and its important to catch them as incorrect information can affect your credit score, as well as any application processes that consider your report. Factual Data credit inquiry. In this example, the account is currently being reported as 120 days past due. Factual Data provides credit check services for lenders. a lender doesn't pull the credit report themselves, but gives the person's SSN, DOB, name, etc to Kroll Factual Data, who pulls the report and gives the info to the lender). 3 bedroom apartments west lebanon, nh. This data is returned by the requested credit service and is based upon the borrower information provided in the associated 1003 file. Experian: You can dispute information online or over the phone using the toll-free number included on your credit report. If you see Factual Data on your credit reports, its likely because the company performed a credit check on behalf of a mortgage lender. An installment account is a fixed line of credit that is paid over a certain period of time. Late Payments: How They Affect Your Credit | Credit Karma Manage resources by using Pre-Qualificationreports to take a first glance at your consumers. Editorial integrity is central to every article we publish. Next to each account, it will identify which bureauor bureausreported the account. Fast forward to about a week later I get an email from credit karma saying there's been a change on my report and it turns out the inquiry from Rocket Mortgage (The actual Inquiry came from Factual Data, but I received a letter in the mail from Rocket Mortgage saying they use factual Data) has hit me for 120 points on all 3 reports. The Consumer Assistance department can assist you with your Factual Data Credit Report in the following ways: Request a Copy of Your Factual Data Credit Report, Dispute an Inquiry from Factual Data on Your Credit Report, Dispute the Contents of a Factual Data Credit Report, Request an Information Block of Credit Data Resulting From Human Trafficking. OFAC Alert Provides a record of the check against the Office of Foreign Assets Control database for USA PATRIOT Act compliance.