Consumer Help and FAQ
Important information and resources for consumers regarding credit reports and identity theft.
Important Notice
TSB Software does not provide credit repair services, credit counseling, or consumer credit dispute assistance. This page is provided for educational and informational purposes only.
Our software solutions are designed exclusively for licensed businesses acting as data furnishers that report consumer and commercial tradelines to national credit reporting agencies.
Consumers reporting personal loans
Question
We provided a personal loan to another consumer and want to report their payment history to the credit bureaus.
Answer
The credit bureaus (Equifax, Experian, Innovis, TransUnion) require that you must be a legitimate business to report consumer credit. They typically will not allow the reporting of consumer tradelines from another consumer.
Identity Theft Victim
Question
What can we do if we are a victim of identity theft?
Answer
It is recommended that you check your personal credit report on a yearly basis. Carefully review your credit reports for possible fraudulent or suspicious activity and verify the accuracy of your name, social security number, address and employment.
If you have been a victim of identity theft, you should place a ‘fraud alert’ on your credit report by contacting the credit bureaus listed below. For complete instructions and additional information, contact:
- To order your report: call: 800-685-1111 or write: P.O. Box 740241, Atlanta, GA 30374-0241
- For Fraud Alerts: call: 800-525-6285 and write: P.O. Box 740241, Atlanta, GA 30374-0241
- Hearing impaired call 1-800-255-0056 and ask the operator to call the Auto Disclosure Line at 1-800-685-1111 to request a copy of your report.
- To order your report: call: 888-EXPERIAN (397-3742) or write: P.O. Box 2002, Allen TX 75013
- For Fraud Alerts: call: 888-EXPERIAN (397-3742) and write: P.O. Box 9530, Allen TX 75013
- TDD: 1-800-972-0322
- To order your report: call: 800-888-4213 or write: P.O. Box 1000, Chester, PA 19022
- For Fraud Alerts: call: 800-680-7289 and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
- TDD: 1-877-553-7803
Government Agencies
To report the fraudulent use of your checks
Contact one of the following agencies:
- ·Check Rite / Global Payments — Phone: 800-638-4600
- ·SCAN — Phone: 800-262-7771
- ·Tele-Check — Phone: 800-710-9898
- ·Chex Systems — Phone: 800-328-5121
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