CLARITY SERVICES INFORMATION

Clarity Services is a large alternative credit bureau that collects credit reporting data on low-income and subprime consumers.

Founded in 1978, the company focused on the payday industry, business credit, and the sub-prime lending industry and has recently become a part of Experian.

The FCRA law applies which means that you are able to get a free copy of your credit report from them every year.

 

GET A FREE CLARITY SERVICES REPORT

You may request a copy of your credit report via:

Online:
Free Clarity Services Report

Phone:
Call (866) 390-3118

Fax:
Complete the report request form and fax it to: (972) 390-5743

Mail:
Complete the report request form and mail it to:
Clarity Services, Inc.
Consumer Support Division
PO Box 16
Allen, TX 75013

 

GET A FREE CLARITY SERVICES SCORE

You may request a Free credit score via:

Online:
Free Clarity Services Credit Score

Phone:
Call (866) 390-3118

Fax:
Complete the credit score request form and fax it to: (972) 390-5743

Mail:
Complete the credit score request form and mail it to:
Clarity Services, Inc.
Consumer Support Division
PO Box 16
Allen, TX 75013

 

NOTE: This is not going to be a traditional credit score like the FICO Score or a Vantage Score. This is a proprietary score created by Clarity to predict your credit risk and creditworthiness.

CLARITY SERVICES VIOLATIONS

In 2015, the CFPB fined Clarity 8 million dollars for violating the Fair Credit Reporting Act (FCRA) by illegally obtaining credit reports of tens of thousands of consumers without proper authorization. This was done for use in marketing materials to potential clients. The company also failed to investigate consumer disputes, including consumer disputes about unauthorized credit inquiries.

in 2018 a class action lawsuit from Florida federal court was filed alleging violations of the Fair Credit Reporting Act (FCRA). The suit was filed for reporting past due balances and account statuses on payday loans from Plain Green, an unlicenced lender in Florida which was charging consumers interest rates 15 times the allowed limit per Florida law.