ISC Credit does not make lending decisions, approve or deny loans, guarantee score changes, or provide credit repair services. ISC is not a law firm and cannot provide legal advice. All credit decisions are made by the lender or broker you are working with. If you have questions about a credit decision, contact the lender directly.
Why ISC Credit may appear on your credit report
If you see "Information Searching Company," "ISC Credit," or a similar name on your credit report, it means a mortgage lender or broker requested a credit report through ISC during a mortgage application process.
ISC Credit is a consumer reporting agency that provides mortgage credit reports to authorized mortgage professionals. ISC does not make lending decisions, approve or deny loans, or have any involvement in the outcome of your mortgage application. The credit report was requested by the lender or broker you are working with, or applied to, for a mortgage.
Under the Fair Credit Reporting Act, credit reports may only be accessed for a permissible purpose. Mortgage origination is a permissible purpose under FCRA Section 604. ISC verifies that every requesting party has a documented mortgage-related need before any report is issued.
If you did not authorize a credit pull and believe one was made in error, contact ISC's compliance team at compliance@isccredit.com or 800-290-2801.
About ISC Credit
Information Searching Company (ISC Credit) is a consumer reporting agency that provides mortgage credit reports to authorized mortgage lenders, brokers, and financial institutions. Credit reports accessed through ISC are used exclusively for mortgage lending purposes.
ISC Credit is located at:
1503 South Coast Drive, Suite 205, Costa Mesa, CA 92626
Phone: 800-290-2801
Email: compliance@isccredit.com
Your rights under the Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (FCRA) gives consumers the right to know what is in their credit file, dispute inaccurate or incomplete information, and have errors corrected. You have the right to:
- Know what is in your credit file
- Know your credit score
- Dispute incomplete or inaccurate information
- Have inaccurate, incomplete, or unverifiable information corrected or deleted
- Seek damages from violators
- Know if information in your file has been used against you in connection with a credit application
For a complete description of your rights under FCRA, visit the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or the Federal Trade Commission at ftc.gov.
Get your free annual credit reports
Federal law guarantees you a free copy of your credit report from each of the three nationwide credit bureaus once every twelve months. The only federally authorized source for these free reports is annualcreditreport.com. You can also call 1-877-322-8228.
The three bureaus currently provide free weekly online reports through that same site. ISC Credit recommends reviewing your reports regularly, especially before a mortgage application, to check for errors and unauthorized activity.
If you were denied credit (adverse action)
If a lender takes adverse action against you (denial, less favorable terms, or a higher rate) based wholly or partly on a credit report, the lender is required by FCRA Section 615 to give you an adverse action notice. This notice will identify the consumer reporting agency that supplied the report and explain your right to a free copy of that report from the agency within sixty days of the notice.
If ISC Credit was the agency identified in your adverse action notice, contact ISC Compliance at compliance@isccredit.com or 800-290-2801 to request your free copy.
Identity theft and unauthorized inquiries
If you believe your identity has been stolen or that ISC Credit pulled your report without your knowledge or consent, take the following steps:
- File an identity theft report at identitytheft.gov, the Federal Trade Commission's identity theft resource and recovery site.
- Place a fraud alert or security freeze with each bureau (see Credit freeze section below).
- Contact ISC Compliance at compliance@isccredit.com with a copy of your FTC report so we can investigate the inquiry on your behalf.
- If you believe a mortgage application was filed in your name without your authorization, also notify your local law enforcement and your state Attorney General's office.
How to dispute information on your credit report
If you believe your mortgage credit report contains inaccurate or incomplete information, you have the right to dispute it. The quickest way to correct most information is to contact the credit bureau that reported it directly. For information that originated with a creditor, contact the creditor.
Credit bureau contact information
For disputes, corrections, or questions about information on your credit report, contact the relevant bureau directly:
Credit freeze, how to freeze or unfreeze your report
A credit freeze (also called a security freeze) prevents new credit from being opened in your name. If your credit report is frozen, a mortgage lender cannot pull your credit, which means you will need to lift the freeze before your loan officer can order a new report.
Contact ISC Credit compliance
For questions related to how your credit report was accessed through ISC, contact our compliance team:
- Email: compliance@isccredit.com
- Phone: 800-290-2801
- Mail: 1503 South Coast Drive, Suite 205, Costa Mesa, CA 92626
- Hours: Monday–Friday, 9:00 AM–5:00 PM Pacific Time