How long will an inquiry show on credit report?
All inquiries are reflected on credit reports for 90 days.

How long will Public records stay on a credit report?
Bankruptcy- 10 years
Tax Liens-7 years
Judgment- 7 years
Credit records- 7 years

Is it possible to update the credit scores if some of the accounts showing on the report does not belong to a borrower?
Yes, FMCS offer “Re-Scoring” that will correct erroneous or outdated information on credit report and after successful verification.

If I want to dispute something that is showing up on my credit report who should I contact?
For all disputes, you must directly contact the major Credit Bureaus.

What is the usual turnaround time for RMCR?
Same day service if order was received before 3:00 pm

Why didn’t my borrower get a credit score?
To get a credit score, borrower must have some valid credit activity in the last six month period.

How do I contact the major credit bureaus?

EXPERIAN

PHONE: 888-397-3742
WEBSITE: www.experian.com
MAILING ADDRESS: EXPERIAN
ATTN: NCAC
P O BOX 9532
ALLEN, TEXAS 75013

EQUIFAX

PHONE: 800-685-1111
WEBSITE: www.equifax.com
MAILING ADDRESS: EQUIFAX
ATTN: CONSUMER AFFAIRS
P O BOX 740256
ATLANTA, GA 30374-0256

TRANS UNION

PHONE: 800-888-4213
WEBSITE: www.transunion.com
MAILING ADDRESS: TRANS UNION CORP
2 BALDWIN PLACE
P O BOX 1000
CHESTER, PA 19022