Scenarios and Options
You were declined a bank account, it was closed, or your payment was declined
Your Options:
What information is in your Early Warning file disclosure?
- Information about you: Your name(s), date of birth, Social Security number, address(es), phone number(s), etc.
- Information about your accounts: Information about your checking and savings account history and activity, including the bank’s name, account number, account status, account balance, and transactions on the account.
- Inquiries: A list of entities that recently obtained information about you from Early Warning.
Who has access to your Early Warning consumer report?
The Fair Credit Reporting Act (FCRA) strictly limits who can access the information Early Warning maintains on you and how that information can be used. Any entity that obtains a consumer report from Early Warning must have “permissible purpose” (as defined by the FCRA) to obtain and use your Early Warning consumer report.
You have a Power of Attorney. Can you request an Early Warning file disclosure for the principal?
Yes, you can request a file disclosure for the principal. Please attach a copy of the power of attorney when you request the file disclosure.
Address issues in your consumer report.
Do you owe a Financial Institution money for a checking or savings account?
If you have a negative balance in a checking or savings account, the easiest way to resolve the problem is to contact the Financial Institution directly. The bank will help you understand your options.
You paid the money that you owed. How do you update your Early Warning file?
Provide a copy of the documentation (a paid receipt and/or official letter) from the Financial Institution to Early Warning. Early Warning will work with the Financial Institution to verify the information and then will update your file accordingly.
Mailing Address
Early Warning
Attn: Consumer Services
5801 N Pima Road
Scottsdale, Arizona 85250
Fax
480-656-6850
Electronically through our Secure Transfer Portal
To send you documentation to us via our secure transfer portal, go to consumerservices.earlywarning.com. When prompted for the Early Warning email address, enter consumerservices@earlywarning.com. Follow the online instructions to create your User ID and password and upload the documents to be transmitted to Early Warning. If you need technical assistance with your Secure Transfer Portal, please call 1-877-639-4457.
Our Secure Transfer Portal is solely for sending/receiving documents to Early Warning Consumer Services that contain sensitive personal information. The Secure Transfer Portal is not monitored for questions or comments. If you have a question or comment about your consumer report, please call us at 1-800-745-1560.
Are you unsure if information in your consumer report is causing a bank or a merchant to decline to do business with you?
We can send your file disclosure to you so that you can review your banking history.
How long does Early Warning report information on me?
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 will not be included in your Early Warning consumer report if they are older than five (5) years. Items that are not negative, but neutral or positive (e.g. identity information, account activity) can be reported on an ongoing basis.
You filed for bankruptcy. How do you update your Early Warning file?
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 work with the financial institution to verify the information and then will update your file accordingly.
Mailing Address
Early Warning
Attn: Consumer Services
5801 N Pima Road
Scottsdale, Arizona 85250
Fax
480-656-6850
Electronically through our Secure Transfer Portal
To send your documentation to us via our secure transfer portal, go to consumerservices.earlywarning.com. When prompted for the Early Warning email address, enter consumerservices@earlywarning.com. Follow the online instructions to create your User ID and password and upload the documents to be transmitted to Early Warning. If you need technical assistance with your Secure Transfer Portal, please call 1-877-639-4457.
Our Secure Transfer Portal is solely for sending/receiving documents to Early Warning Consumer Services that contain sensitive personal information. The Secure Transfer Portal is not monitored for questions or comments. If you have a question or comment about your consumer report, please call us at 1-800-745-1560.
We want to help. Please choose the contact option that is most convenient for you.
By phone
1-800-745-1560, 9 a.m. – 8 p.m. EST, Monday through Friday
By mail
Early Warning
Attn: Consumer Services
5801 N Pima Road
Scottsdale, Arizona 85250
By fax
480-656-6850
In-person
1-800-745-1560
Call to schedule an in-person appointment at our Scottsdale, Arizona office.