Adverse Action Notice FAQ's

  • Why did I receive a notice?

    A letter was sent to you because you have recently applied for a loan, mostly likely at an auto dealership. Because the dealership may have pulled your credit, they are obligated to send you a notice.

  • How can I obtain a FREE copy of my credit report?

    You can obtain a free copy of your credit report by going to To visit their site

    click here
  • Will this notice become part of or effect my credit profile?

    The simple answer is NO. Adverse Action Notices do not effect your credit score and are not reported to credit reporting agencies.

  • What if I purchased my vehicle with cash, obtained my own loan, or did obtain a loan through the dealership?

    If you purchased a vehicle and still received a notice, you MAY have received the notice in error. Because we provide this service to your dealership, we receive information from them in order to send you the notice. Many times dealerships send us large batches of letters for processing and your information may have been included in error. We are truly sorry for any inconvenience this may have caused.

News & Events

  • 26Jan

    Automotive News
    Vendor Don Pavoni of Infinity has an idea for helping dealers comply with 2009 Federal Trade Commission rules to combat identity theft. His finance-department software program flashes a red flag anywhere there is a potential compliance problem on a sales contract.

  • 18Dec

    Obama Signs Red Flags Bill
    The Red Flags Exemption law was passed to help define what organizations must comply with the Red Flags Rule. With the passing of this law, enforcement will begin January 1st, 2011.

Our Services

  • Complete Red Flag Identity Verification
  • Quick and easy Identity Theft Prevention Plan
  • Comprehensive OFAC Verification free of charge
  • Full Testing and Training module
  • Automated Discrepancy Report feature
  • Automated Adverse Action Letters
  • Risk Based Pricing Notices