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YOUR FILE DISCLOSURE
You may have received a notice referencing Early Warning. This notice may reference a financial institution declining to open an account, a recent closure of an account, or refusal to accept your check as payment. If the notice states that the actions taken were a result of information provided by Early Warning, and you have questions regarding the notice, please continue down this page for information about your rights and actions you may take.
If you wish to obtain information on file at Early Warning, known as a file disclosure, please continue down this page for instructions on how to obtain your file disclosure.
If you have concerns about Identity Theft, please continue down this page for information about your rights and resources available regarding actions you may take to remedy the effects.
Who is Early Warning?
You may have been referred to Early Warning because of information reported to us by a financial institution about your checking or savings account history and activity. The entity that referred you to Early Warning may have made a decision to take action that is adverse to you (such as declining to open a new bank account or declining to accept a payment), based on information maintained in our system. This decision was made by the entity that referred you to us, and not by Early Warning.
Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of the Fair Credit Reporting act (FCRA). We are owned by seven of the country’s most respected financial institutions – Bank of America, N.A.; Truist Bank, N.A.; Capital One, N.A.; JPMorgan Chase Bank, N.A.; PNC Bank, N.A.; and Wells Fargo Bank, N.A.
In order to understand what information Early Warning maintains in its file on you, you may request a copy of your Early Warning File Disclosure. Here is more information related to your File Disclosure and steps you can take to correct any information that may be inaccurate:
What best describes your situation?
Please select an option below
You were declined a bank account, it was closed, or your payment was declined
You would like your Early Warning File Disclosure
You would like to dispute something in your Early Warning File Disclosure
I need more information on Early Warning
Documents
Below are documents that you might find to be helpful to support you through the process.
Identity Theft & Online Fraud Prevention Resources
Every day, criminals are finding new ways to target consumers for identity theft, check fraud, online fraud through email and Internet scams, and more.
Here are some of the resources available that provide consumer information and education to help protect you from becoming a victim of fraud:
Dispute Information for Survivors of Human Trafficking
Survivors of Human Trafficking have specific rights under FCRA and Regulation V Human Trafficking Rule. Survivors of Human Trafficking may submit documentation to dispute any adverse information that may be a result of Human Trafficking.
Avoid Credit Repair Scams
You should exercise extreme caution if you are considering using a credit repair company. There are many steps you can take to repair your credit on your own, at no cost. The Credit Repair Organization Act (CROA) and many state laws prohibit credit repair companies from misrepresenting what they can do for consumers and from charging consumers before they have performed agreed-upon services.
Early Warning supports consumers’ rights to dispute and correct inaccurate or incomplete information that has been furnished to Early Warning in accordance with the Fair Credit Reporting Act (FCRA). You may contact Early Warning to obtain a copy of your file disclosure. You may dispute information you believe to be inaccurate or incomplete. Early Warning will never charge you a fee to obtain a copy of your file disclosure, conduct a reinvestigation of disputed information, or remove inaccurate information from your file.
Avoid Debt Collection Scams
Early Warning does not collect debts on behalf of creditors or debt collection companies. If you are contacted by a debt collection company claiming to collect debts on behalf of Early Warning, be aware that the request is not legitimate.
Visit the Consumer Financial Protection Bureau’s website to learn more about debt collection scams.