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Personal Information
Address
Apt/Address 2
Contact your bank to file an unauthorized use report.
ALERT: To protect your privacy, we recommend you redact, or black out, personally identifiable information
(PII), such as Social Security Number, Date of Birth, Bank Account number, Driver’s License number, etc., in
documents uploaded or text entered on this site.
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.
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