Information Searching Company (“ISC Credit,” “ISC,” “we,” “us,” or “our”) is a consumer reporting agency and mortgage credit reporting company located at:
1503 South Coast Drive, Suite 205ISC provides mortgage credit reports and related services to authorized mortgage lenders, brokers, and financial institutions. All credit reports are accessed and used exclusively for permissible purposes as defined under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq.
When a mortgage professional uses ISC’s services, we collect and process information provided by that client, including:
ISC accesses consumer credit information solely at the direction of an authorized mortgage lender or broker, for a specific permissible purpose under FCRA. Consumer information accessed through ISC includes:
ISC does not independently solicit or collect personal information from consumers. All consumer data is accessed through the formal credit reporting system under FCRA-compliant permissible purpose requirements.
When you visit isccredit.com, we may collect standard web usage data including IP address, browser type, pages visited, and time on site through cookies and analytics tools. We do not use this data to identify individual users.
Consumer credit data accessed through ISC is used solely to fulfill the specific mortgage credit report order placed by an authorized client for a permissible purpose. ISC does not use consumer credit information for marketing, profiling, or any purpose other than fulfilling the authorized order.
ISC does not sell personal information. We share information only in the following circumstances:
ISC is subject to the Gramm-Leach-Bliley Act and its implementing regulations. We maintain a comprehensive information security program designed to protect the security and confidentiality of nonpublic personal information. Our program includes administrative, technical, and physical safeguards appropriate to the size and complexity of our operations and the sensitivity of the information we handle.
As a consumer reporting agency, ISC operates in compliance with all applicable provisions of the FCRA. This includes requirements related to:
For information about your rights under FCRA, including how to dispute information in your credit file, see our Consumer Assistance page.
California residents may have certain rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information ISC has collected about you, the right to request deletion of personal information, the right to opt out of the sale of personal information (ISC does not sell personal information), and the right to non-discrimination for exercising privacy rights.
To exercise your California privacy rights, contact ISC at compliance@isccredit.com or 800-290-2801. Note: Consumer credit report information accessed for mortgage purposes is generally governed by FCRA, not CCPA. CCPA rights apply to other personal information ISC may hold.
ISC maintains administrative, technical, and physical safeguards designed to protect personal and financial information from unauthorized access, disclosure, alteration, or destruction. These safeguards include access controls, encryption where appropriate, activity monitoring, and employee training on secure data handling.
ISC retains client and consumer information for the period necessary to fulfill the purposes described in this policy, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. Specific retention periods are determined by applicable law, including FCRA requirements, and the nature of the information.
ISC’s website uses cookies and similar tracking technologies to understand how visitors use our site. This includes analytics cookies that help us improve our website. You can control cookie settings through your browser. Disabling cookies may affect some website functionality but will not affect your ability to access ISC’s services.
Our website may contain links to third-party websites. ISC is not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party site you visit.
ISC may update this Privacy Policy from time to time. When we make material changes, we will update the effective date at the top of this page. Continued use of ISC’s services after changes are posted constitutes acceptance of the updated policy.
ISC Credit may collect a mobile phone number and SMS consent when an existing client requests communication by text or gives permission during a customer service conversation. We use this information to provide conversational customer care messages, including responses to client questions, callback coordination, document receipt confirmations, and non-sensitive service updates.
No mobile opt-in information or text message consent will be shared with third parties or affiliates for marketing or promotional purposes.
Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance.
For questions about this Privacy Policy, to exercise your privacy rights, or to report a concern:
Information Searching Company