Consumer Help and FAQ

This page is provided for informational use only. The Service Bureau is a software providor, not a credit bureau. We can not assist with your personal credit history.

Consumers reporting personal loans

Question: We provided a personal loan to another consumer and want to report their payment history to the credit bureaus.

Answer: The credit bureaus (Equifax, Experian, Innovis, TransUnion) require that you must be a legitimate business to report consumer credit. They typically will not allow the reporting of consumer tradelines from another consumer.

Identity Theft Victim

Question: What can we do if we are a victim of identity theft?

Answer: It is recommended that you check your personal credit report on a yearly basis. Carefully review your credit reports for possible fraudulent or suspicious activity and verify the accuracy of your name, social security number, address and employment.

Consumers who have been a victim of identity theft, should place a "fraud alert" on your credit report by contacting the credit bureaus listed below. For complete instructions and additional information, contact:
Federal Trade Commission Phone: 877-ID-THEFT or visit their web site at

To order your report, call: 800-685-1111 or write:
P.O. Box 740241, Atlanta, GA 30374-0241

For Fraud Alerts, call: 800-525-6285 and write:
P.O. Box 740241, Atlanta, GA 30374-0241
Hearing impaired call 1-800-255-0056 and ask the operator to call the Auto Disclosure
Line at 1-800-685-1111 to request a copy of your report.

To order your report, call: 888-EXPERIAN (397-3742) or write:
P.O. Box 2002, Allen TX 75013

For Fraud Alerts, call: 888-EXPERIAN (397-3742) and write:
P.O. Box 9530, Allen TX 75013
TDD: 1-800-972-0322

To order your report, call: 800-888-4213 or write:
P.O. Box 1000, Chester, PA 19022

For Fraud Alerts, call: 800-680-7289 and write:
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
TDD: 1-877-553-7803

Government agencies

Federal Trade Commission and ID Theft
Federal Trade Commission Phone: 877-ID-THEFT

United States Postal Inspection Service
U.S. Postal Inspection Service

To report the fraudulent use of your checks

Check Rite / Global Payments Phone: 800-638-4600
SCAN Phone: 800-262-7771
Tele-Check Phone: 800-710-9898
Chex Systems Phone: 800-328-5121