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SmartPay reports credit information to two alternative credit reporting agencies at the end of each month. Although we submit the information to the bureaus at the end of the month, the bureaus have 30 days from the receipt of our data to update a consumer’s credit report. We report credit data to Clarity Services and Idanalystics. The contact information for each is as follows:

Clarity Services
(888) 390-3118
www.clarityservices.com

Idanalystics
(888) 395-0277
www.sagestreamllc.com

Direct credit disputes must relate to the following: (1) your liability for a credit account or other debt with SmartPay; (2) the terms of an account or other debt with SmartPay; (3) your performance or other conduct concerning an account or other relationship with SmartPay; or (4) any other information contained in your report for an account or other relationship with the SmartPay that bears on the consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. SmartPay will investigate if you, the consumer, submit your dispute on this page or in writing to SmartPay, ATTN: Credit Disputes, 7755 Montgomery Road, Suite 400, Cincinnati, OH 45236. In order for us to properly process your dispute, you must (1) identify the account in dispute, (2) identify the specific information being disputed, (3) provide an explanation of the basis for the dispute, and (4) provide all supporting documentation required by us to substantiate the basis of the dispute. In order for your rights to be properly protected under the Fair Credit Reporting Act 15 U.S.C. 1681, we recommend that you submit a dispute directly to the alternative credit reporting agencies, Clarity Services, Idanalystics, etc.

SmartPay reports credit information to two alternative credit reporting agencies at the end of each month. Although we submit the information to the bureaus at the end of the month, the bureaus have 30 days from the receipt of our data to update a consumer’s credit report. We report credit data to Clarity Services and Idanalystics. The contact information for each is as follows:

Clarity Services
(888) 390-3118
www.clarityservices.com

Idanalystics
(888) 395-0277
www.sagestreamllc.com

Direct credit disputes must relate to the following: (1) your liability for a credit account or other debt with SmartPay; (2) the terms of an account or other debt with SmartPay; (3) your performance or other conduct concerning an account or other relationship with SmartPay; or (4) any other information contained in your report for an account or other relationship with the SmartPay that bears on the consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. SmartPay will investigate if you, the consumer, submit your dispute on this page or in writing to SmartPay, ATTN: Credit Disputes, 7755 Montgomery Road, Suite 400, Cincinnati, OH 45236. In order for us to properly process your dispute, you must (1) identify the account in dispute, (2) identify the specific information being disputed, (3) provide an explanation of the basis for the dispute, and (4) provide all supporting documentation required by us to substantiate the basis of the dispute. In order for your rights to be properly protected under the Fair Credit Reporting Act 15 U.S.C. 1681, we recommend that you submit a dispute directly to the alternative credit reporting agencies, Clarity Services, Idanalystics, etc.