24d • Gems
Fax the Secondary Bureaus
To get a quicker response from the secondary credit bureaus, call them and fax them at the same time. While on the phone, watch how the conversation changes. Read Below .
1. Core Secondary & Public Records Bureaus
These agencies gather extensive public records, asset data, and alternative credit histories.
LexisNexis Risk Solutions (Consumer Center)
Fax: (866) 414-4436
Usage: Best for requesting/disputing your primary full disclosure file or Accurint reports.
SageStream (A LexisNexis Subsidiary)
Fax: (858) 312-6275
Usage: Direct lines for alternative credit score and subprime credit data disputes.
Innovis
Note: Innovis officially decommissioned their public consumer dispute fax lines in favor of their secure online consumer portal and certified mail processing. If you absolutely require direct electronic delivery, utilize their phone dispute line at (1-866-712-0021) to request an immediate file update or a secure upload link.
2. Banking & Checking Account Bureaus
Essential for fixing forced closures, checking history data, or handling identity theft issues related to bank accounts.
ChexSystems
Fax: (602) 659-2197
Usage: Send completed Consumer Request for Disclosure or Factual Dispute forms directly to Consumer Relations.
Early Warning Services (EWS)
Note: EWS does not maintain a public-facing inbound fax line for consumer disputes. They strictly route incoming factual disputes through their online portal or standard mail.
3. Subprime & Alternative Lending Bureaus
These bureaus track short-term lending, payday loans, auto title lending, and rent-to-own agreements.
CoreLogic Teletrack
Fax: (800) 237-6526
Usage: Handles consumer services, report disclosures, and traditional file disputes.
Clarity Services (An Experian Company)
Note: Clarity processes freezes and disputes via their dedicated online portals. To bypass mail delays, use their direct consumer phone line at (866) 390-3118 to initiate an immediate investigation or secure document link over the phone.
⚠️ Important Submission Tip: When faxing a secondary bureau, always include a clear cover page detailing exactly how many pages are in the transmission. To stay compliant with factual disputing standards, ensure copies of your government-issued ID and a utility bill (proof of address) are legible on the fax scan, as low-quality transmissions can cause the bureaus to reject the request for verification purposes.
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Fax the Secondary Bureaus
