Scenarios and Options
I need more information on Early Warning
Early Warning is 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, 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 a nationwide specialty consumer reporting agency and 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. We want to help you identify ID theft, online fraud and scams. Once you receive your file disclosure, we urge you to check it carefully for inaccurate or incomplete information. If you find incomplete or inaccurate information on your report that you believe was caused by identity theft, please contact us at 800-745-1560 for additional assistance.
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 a debt.
No, you can’t opt out. 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).