What best describes your situation?
- Do you owe a bank money for a checking or savings account?
-
If you already know that you have a negative balance in a bank checking or savings account, the easiest way to resolve the problem is to contact the bank directly. The bank will help you understand your options.
- You paid the money that you owed. How do you update your Early Warning consumer report?
-
Provide a copy of documentation (a paid receipt and/or official letter) from the financial institution to Early Warning. Early Warning will update your file to reflect the charge was paid.
Mailing Address
Early Warning
Attn: Consumer Services
16552 N. 90th Street
Scottsdale, Arizona 85260 - Are you unsure if information in your consumer report is causing a bank or a merchant to decline to do business with you?
-
We can send your consumer report to you so that you can review your banking history.
Request your consumer report - How long does information stay on your Early Warning consumer report?
-
Information stays on your Early Warning consumer report for varying amounts of time, depending on the type of activity being reported. In accordance with the Fair Credit Reporting Act, negative records will not be included in your Early Warning consumer report if they are older than seven (7) years. Items that are not negative, but neutral or positive (e.g. identity information, account activity) can be reported on an ongoing basis or indefinitely.
- You filed for bankruptcy. How do you update your Early Warning consumer report?
-
Provide a copy of your bankruptcy discharge paperwork to Early Warning, confirming that the reported bank account is included in the discharge. Early Warning will update your file to reflect the current status of the record.
Mailing Address
Early Warning
Attn: Consumer Services
16552 N. 90th Street
Scottsdale, Arizona 85260
We want to help. Please choose the contact option that is most convenient for you.
By phone
1-800-745-1560, 8 a.m. – 5 p.m. Mountain Time, Monday through Friday
By mail
Early Warning
Attn: Consumer Services
16552 N. 90th Street
Scottsdale, Arizona 85260
By fax
480-656-6850
In-person
1-800-745-1560
Call to schedule an in-person appointment at our Scottsdale, Arizona office.