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Short-term loans can include payday/cash advances, and secured or unsecured loans. These may or may not generate credit inquiries, depending on the lending company's requirements. When your personal information is used, such as name, date of birth, or Social Security number, to apply for these types of loans, a notification may be generated.
Because these loans do not always generate a credit inquiry, you may not be aware one exists until it shows as delinquent. These loans are typically based on one giving collateral to a company, such as writing a check for deposit at a later date.
Consumer reporting agencies offer consumer reports to lending companies for their loan decision-making process, while also serving American customers.
The information they provide includes:
These agencies are not lending companies, nor are they the same as any of the three major credit bureaus (Equifax, TransUnion, and Experian). Some of the major consumer reporting agencies include DataX, Teletrack, FactorTrust, and Microbilt/PRBC. Upon your request, they’re able to send you your annual consumer report and set up security freezes for you.
The consumer reporting agencies may also have data regarding a payday loan or application in your name when any of the three major credit bureaus may not. Because payday loans do not always generate a credit inquiry with the three major credit bureaus, you may not be aware one was made unless it shows up as a delinquent loan on your credit report.
You’ll be able to ask for your consumer report immediately after you’ve been notified that an inquiry was first made: this will give the agency adequate time to gather information about whether a loan was approved. NortonLifeLock can then help you take action to resolve the fraudulent activity.
Follow the instructions below to have DataX send you your consumer report:
Request a freeze on your consumer report (steps provided below) to help stop fraudulent activity in the future.
To set up a freeze follow the instructions at https://consumers.dataxltd.com/consumerCreditFreeze
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