Fair Credit Reporting Act FAQs

Q: How does the FCRA affect me?
A: Below, we have outlined several of the rights you have been given by the FCRA. The Fair Credit Reporting Act (FCRA) is more detailed than we can elaborate here. To read the full text of the act, visit the website of the Federal Trade Commission.

For your protection, consumer reporting agencies must:

• ...provide a copy of your file to you upon request. You are entitled to a free copy of your credit report once every 12 months. Proper identification is required, which may include your Social Security Number. Obtaining this report and checking it for errors can ensure that no fraud has been committed on your account.
• ...limit public access to your information. Consumer reporting agencies may only permit access to your information by a party who has a valid reason, such as when you are applying for employment, credit, or a loan.
• ...obtain your consent for reports to be provided to employers. Your employer or potential employer may not obtain a copy of your report without your written consent.
• ...investigate incomplete or inaccurate information. If you discover that your file is missing information or contains inaccurate information, the consumer reporting agency is obligated to investigate your claim. Information in your file that is found to be inaccurate or incomplete must be removed or corrected within 30 days of your request.
• ...add identity theft alerts at your request. If you feel you have been the victim of identity theft, you may place an initial (90 days) or extended (7 years) fraud alert on your file.

Q: How do I obtain a copy of my Employment Data Report from USIncomeVerify?
A: You may contact USIncomeVerify directly by calling 1-866-643-7464 or by printing out and submitting the form located here.

Q: How do I obtain my credit score from USIncomeVerify?
A: USIncomeVerify cannot provide information on your current credit score. For that information, you will need to contact one of the three main credit reporting agencies.

Experian
NCAC
P.O. Box 9556
Allen, TX 75013
888-397-3742

Equifax
P.O. Box 740256
Atlanta, GA 30374
800-525-6285

TransUnion
TransUnion
2 Baldwin Place
P.O. Box 2000
Chester, PA 19022
800-888-4213

Q: What can I do if information on my Employment Data Report is inaccurate?
A: We will do everything within our power to ensure your information is correct. In the event that you find information that you believe to be incorrect, please contact USIncomeVerify at 1-866-643-7464 and we will remove access to your income and employment history while the matter is researched. At the conclusion of our research, USIncomeVerify will provide you with the results.