Respond to the short-term loan or payday loan notification from LifeLock
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.
Request your consumer report
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:
- Consumer payment history
- Records of payday loans
- Deposit accounts
- Short-term loans
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 approximately 8 weeks 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:
- Go to https://consumers.dataxltd.com/annualCreditReport
- Click the link to download the request form for DataX Consumer Report.
- Fill out the necessary information and submit it via mail to DataX.
- Allow 6 weeks for the report to arrive.
Review your consumer report from DataX
- Once you obtain the report, review the information in the report carefully. There should be a section for inquiries and one for loans. If a loan was issued, there should be a loan amount and/or balance due associated with the entry on the report.
- If you do not recognize the information listed and believe your report may contain a fraudulent loan, please call Norton Member Services Department at 1-800-LifeLock (543-3562) for further assistance. (DataX will not be able to assist you with this matter--please do not reach out to them if you see a fraudulent loan on your report).
Place a freeze on your 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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上次修改時間： 2024/11/07