About Your Early Warning
Consumer Report

 

Personal information: Your name(s), date of birth, Social Security number, address(es), phone number(s), etc.

Account information: Information about your checking and savings account history and account activity, including the bank’s name, account type (checking, savings, etc.), account number, name of the owner of the account, date account opened, date account closed, account status, account balance, transaction information, etc.

Inquiries: A list of entities that recently obtained your Early Warning consumer report.

Click here to see a sample Early Warning consumer report, also referred to as a file disclosure.

Click here for information on requesting a copy of your Early Warning consumer report.


No. Early Warning provides a Deposit Score which uses deposit account behavior to assess risk for new account opening. This score is different than a credit score you would receive from the nationwide consumer reporting agencies (Experian, Equifax, TransUnion).

To request your Early Warning Deposit Score, please call 1.800.325.7775 between 8am and 5pm MST, Monday through Friday.


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.

Once your identity has been verified, as required by the Fair Credit Reporting Act, your Early Warning consumer report will be sent to you by US mail or electronically within fifteen (15) days unless otherwise required by your state of residence (please allow time for US mail delivery).

Due to the sensitive nature of the information contained in your consumer report, we do not provide this information over the phone.


Once your identity has been verified, as required by the Fair Credit Reporting Act, your Early Warning consumer report will be sent to you by US mail or electronically within fifteen (15) days, unless otherwise required by your state of residence (please allow time for US mail delivery).

Consumer reports must be provided to the consumer as follows. Undue delays are not permitted.

4 business days: Rhode Island
5 business days: California, Connecticut and Louisiana
Promptly: Maine
15 calendar days: All remaining states
*3 calendar days if there is identity theft (documentation required)


Information stays on your Early Warning consumer report for varying amounts of time, depending on the type of activity being reported.

In accordance with the Fair Credit Reporting Act, negative records on your Early Warning consumer report will not be reported if they are older than seven (7) years.

Items that are not negative, but neutral or positive (e.g. identity information, account activity), can be reported on an ongoing basis or indefinitely.

If you believe there is inaccurate or incomplete information on your Early Warning consumer report, click here for information about the dispute process.


Yes. If you believe there is incomplete or inaccurate information on your Early Warning consumer report, you may dispute such information by contacting us. 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.


Yes, you may receive a copy of your consumer report through secure email delivery or by US mail.


No, your Early Warning consumer report does not affect the credit scores generated by the nationwide consumer reporting agencies (Experian, TransUnion, Equifax).


No. Under the Fair Credit Reporting Act, Early Warning is not required to place fraud alerts on consumer reports. If you think you’ve been a victim of fraud or identity theft, you should contact one of the nationwide credit reporting agencies and place a fraud alert on your credit report.

  • Equifax
  • Experian
  • TransUnion

For more information on fraud alerts, visit the Consumer Financial Protection Bureau’s website. Also see the Resources for Victims of Identity Theft section.

If you believe there is information on your Early Warning consumer report that is the result of identity theft, you may dispute that information. Click here for more information on disputing information in your Early Warning consumer report.

Yes. Please call 1-800-325-7775 between 8am and 5pm MST, Monday through Friday, or complete our consumer identification form, attaching a copy of the power of attorney, and return it to us via the instructions on the form.

Provide a copy of your bankruptcy discharge paperwork to Early Warning, confirming that the reported bank account is included in the discharge. Early Warning will update your file to reflect the current status of the record.

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

Provide a copy of your paid receipt/letter from the financial institution to Early Warning. Early Warning will update your file to reflect the charge was paid.

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

Identity theft is when someone else fraudulently uses your identity, usually for financial gain (e.g. to obtain credit or money).

Check fraud is when an account owner unlawfully uses checks in order to illegally acquire funds (e.g. check kiting, embezzlement, check floating).


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.