How We Help

  • Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of the FCRA.
  • You may contact Early Warning for a free copy of your consumer report. Early Warning does not charge consumers a fee for consumer reports.
  • 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. See the Avoid Credit Repair Scams section on this page for additional information.

Consumer Services

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.

Identity Theft & Online Fraud
Prevention Resources

Every day, criminals are finding new ways to target consumers for identity theft, check fraud, online fraud through email and Internet scams, and more.

Here are some of the resources available that provide consumer information and education to help protect you from becoming a victim of fraud:

Avoid Credit Repair Scams

You should exercise extreme caution if you are considering using a credit repair company. There are many steps you can take to repair your credit on your own, at no cost. The Credit Repair Organization Act (CROA) and many state laws prohibit credit repair companies from misrepresenting what they can do for consumers and from charging consumers before they have performed agreed-upon services.
Visit the FTC’s Credit Repair Scam website to learn more.

Early Warning supports consumers’ rights to dispute and correct inaccurate or incomplete information that has been furnished to Early Warning in accordance with the Fair Credit Reporting Act (FCRA). You may contact Early Warning to obtain a free copy of your consumer report. You may dispute information you believe to be inaccurate or incomplete free of charge. Early Warning will never charge you a fee to obtain a copy of your consumer report, conduct an investigation of disputed information or remove inaccurate information from your report.

Avoid Debt Collection Scams

Early Warning does not collect debts on behalf of creditors or debt collection companies. If you are contacted by a debt collection company claiming to collect debts on behalf of Early Warning, be aware that the request is not legitimate.
Visit the Consumer Financial Protection Bureau’s website to learn more about debt collection scams.