Consumer FAQ's

Xactus, LLC. provides credit reports from TransUnion®, Equifax® and Experian® to lending institutions and mortgage companies that, under the Fair Credit Reporting Act (FCRA), must review up-to-date credit data to lend money to consumers. Xactus obtains these credit reports directly from the credit bureau agencies and does not maintain its own consumer credit database. 

If one of our lending customers has obtained your credit report from Xactus, we can help you with any of the following:

  • Secure a free copy of your Xactus Credit Report requested by our client
  • Dispute incomplete and inaccurate information that is listed on your Xactus Credit Report
  • Answer questions about your Xactus Credit Report

If you are a consumer and would like to contact Xactus, please call 877-224-8107 or email [email protected]

Helpful Links & Consumer Resources

Fair Credit Reporting Act: (FCRA) promotes the accuracy, fairness and privacy of consumer information contained in the files of Consumer Reporting Agencies 

Annualcreditreport.com: Obtain a free copy of your credit report every year (currently available weekly during the COVID-19 pandemic)

myFICO.com: Credit education and information on FICO scores

Consumer Financial Protection Bureau (CFPB): The central mission of the CFPB is to make markets for consumer financial products and services, work for Americans – whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products. The CFPB site allows you to file a complaint or simply find educational materials and advice on many topics such as how to get assistance with paying your mortgage.

Opt-out of solicitations: The FCRA provides the right to “Opt-Out”, which prevents Consumer Reporting Agencies from providing your credit information to companies that offer Firm Offers of Credit

Opt-out of LexisNexis: You may request to opt-out of having your personal information made available through certain LexisNexis products and services, in accordance with legal requirements or if permitted by LexisNexis policy: www.lexisnexis.com/privacy/for-consumers/

FCRA Bill of Rights : A summary of your rights under the Fair Credit Reporting Act.

NMLS ID # 2323293: Consumer access to verify a financial services provider: https://www.nmlsconsumeraccess.org/

Victims of Human Trafficking – Are you or have you been a victim of human trafficking? Xactus can provide assistance to help remove identified adverse information.