About Early Warning

 

Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of the Fair Credit Reporting Act (FCRA).

We are owned by seven of the country’s most respected financial institutions – Bank of America, N.A., Branch Banking & Trust, Capital One, N.A. JPMorgan Chase Bank, N.A. PNC Bank, N.A., U.S. Bank, N.A. and Wells Fargo Bank, N.A.

For over 25 years, financial institutions, and other financial entities, have used our services to assist them in the detection and prevention of fraud associated with bank accounts and payment transactions.

Financial institutions provide information to us about checking and savings account history and activity.

To request a free copy of your consumer report, complete our consumer identification form and return it to us via the instructions on our website or call 1-800-325-7775 between 8am and 5pm MST, Monday through Friday. Click here for more information about your Early Warning consumer report.

If you believe there is incomplete or inaccurate information in your report, you may dispute such information by contacting Early Warning. Early Warning does not charge a fee for investigating disputed information. Click here for more information on disputing information in your Early Warning consumer report.


The Fair Credit Reporting Act (FCRA) strictly limits who can have access to your Early Warning consumer report and how your Early Warning consumer report can be used. Such entities must have “permissible purpose” (as defined by the FCRA) in order to obtain and use your Early Warning consumer report.

Some examples of entities that might obtain and use your Early Warning consumer report include:

  • A bank for new account opening
  • A check acceptance company for payment acceptance at a retail merchant’s point of sale
  • A financial services organization for home loan origination

Early Warning will not sell your personal information for marketing purposes.

Entities that have recently obtained your Early Warning consumer report will be listed as inquirers on your consumer report.

You also have the right to review the information in your Early Warning consumer report. Click here for information on requesting a copy of your Early Warning consumer report.


You may have been referred to Early Warning because of information placed in our database, by financial institutions, about your checking and savings account history and activity. The decision to take adverse action (e.g. declined to open a new bank account, declined to accept a payment, etc.) was made by the entity that referred you to us and not by Early Warning.

You have the right to review the information in your Early Warning consumer report. Click here for information on requesting a copy of your Early Warning consumer report.


By phone
1-800-325-7775, 8am – 5pm MST, Monday through Friday

By mail
Early Warning
Attn: Consumer Services
16552 N. 90th Street
Scottsdale, Arizona 85260

By fax
480-656-6850

In-person
Call 1-800-325-7775 to schedule an in-person appointment at our Scottsdale, Arizona office.


Early Warning takes the privacy and security of your personal information very seriously. When you contact us about your consumer report, we may request certain information to verify your identity prior to releasing such personal information.

We also use this information to generate your consumer report. Incomplete information may hinder us in responding to your request.

The personal information you provide to us will only be used to respond to your request. We do not share or sell this information with any unauthorized parties.


Early Warning is considered a nationwide specialty consumer reporting agency. We collect and report information about your banking account and transaction history.

Nationwide consumer reporting agencies, such as Experian, TransUnion and Equifax, report information about your credit history. For example, they collect and report information about your loan paying history and the status of your credit card accounts. They also report what is commonly referred to as your FICO credit score. You can learn more, including how to obtain your credit report from the nationwide consumer reporting agencies, at www.annualcreditreport.com.


No. Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of the Fair Credit Reporting Act (FCRA).

Early Warning will never contact you to collect money owed.


No. Under the Fair Credit Reporting Act, Early Warning is able to provide consumer reports to financial institutions and financial entities with permissible purpose (as defined by the Act).

Early Warning will not use or sell your personal information for marketing purposes.


We strive to provide exceptional customer service. If you had exceptional service or we didn’t quite meet your needs, please let us know so we can better serve you in the future.

By phone
1-800-325-7775, 8am – 5pm MST, Monday through Friday

By mail
Early Warning
Attn: Consumer Services
16552 N. 90th Street
Scottsdale, Arizona 85260


Consumer Services

Early Warning supports consumers' rights to dispute and correct inaccurate or incomplete information furnished to Early Warning in accordance with the Fair Credit Reporting Act (FCRA).

If you wish to obtain Consumer Report Information, please
contact the Consumer Services department at:


(800) 325-7775

Monday - Friday 8:00 a.m. - 5:00 p.m. Mountain Standard Time

Early Warning's Consumer Services department provides interpretation services for over 160 languages.