How to File an Inquiry

FactorTrust is a Consumer Reporting Agency that provides lenders with a Consumer Risk Indicator Score (CRIS). The CRIS, along with consumer information from a variety of third party service providers, assist lenders in reducing their risk as an underwriter of consumer credit. If a consumer or lender identifies incorrect data or questions the CRIS, based on information provided by FactorTrust or one of their third party service providers, they may request an investigation free of charge using the process described below.

 

To file a credit request denial inquiry with FactorTrust the consumer or lender will complete the Customer Inquiry Form (Inquiry Form) and fax it to FactorTrust Customer Care. FactorTrust will investigate your inquiry directly with the third party service provider or internally and respond to you within 30 to 45 days by US Postal Service.

 

Inquiry Method

The consumer or lender will click on the Inquiry Form, download the form, complete and sign the Inquiry Form, make a copy of their driver’s license, and fax both of them to FactorTrust Customer Care. The Consumer Inquiry Report will be mailed to the address listed on the form. If the Consumer Inquiry Form is not signed in the designated place, and a copy of the consumer’s driver’s license is not submitted via fax, the inquiry will not be considered.

 

FactorTrust can only investigate reported information as provided by third party service providers. Identified errors will be reported back to the provider.

 

Inquiry PDF Form