Consumer Assistance

Certified Credit Reporting Inc. is a consumer reporting agency reseller as defined by the Federal Fair Credit Reporting Act and resells consumer reports primarily for mortgage, tenant, and employment purposes. Certified Credit does not maintain a database on consumer information.

Any questions regarding inquiries on your personal consumer file should be directed to 800.769.7615 x 2006 or emailed to compliance@certifiedcredit.com.

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The Consumer Assistance department can assist you in the following ways:

  • Provide a free copy of the Credit Report that was requested by our client
  • Dispute inaccurate or incomplete information appearing on Certified Credit's copy of your Credit Report that was requested by our client
  • Answer questions regarding Certified Credit's copy of your Credit Report that was request by our client
  • Tell you which one of our clients accessed your credit report

Mortgage Credit Scores

The five main factors that make up your score:

  • Payment history (35%): Late payments, tax liens, bankruptcies, etc.
  • Accounts Owes (30%): Outstanding balances on accounts
  • Length of Credit History (15%): The longer your history, the better
  • New Credit (10%): Inquiries/applications for new credit accounts
  • Credit Mix (10%): The mix of credit cards, retail accounts, loans, etc.
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