Consumers are protected.

Congruit is an information services provider that provides insight into consumer payment history for the lending and financial services community. The information Congruit provides does not help or hurt your credit score because your credit score is reported by the three traditional major credit bureaus.

Have you received an adverse action notice, or been denied a loan, based on information contained in a Congruit consumer report? If so, please fill out the Adverse Action Consumer Report Request to obtain a copy of your report. We will send you a copy of your report—free of charge—once the company receives your completed request form and a copy of your driver's license.

You can also obtain your free annual credit report from the three traditional major credit bureaus: Experian, Equifax and TransUnion.

All consumers are eligible to receive a free copy of their credit report once every twelve months in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).

To obtain a free copy of your Congruit Consumer Report, please click here to download the request form.

Identity Theft and Fraud

If you suspect that you have been or are about to become a victim of fraud or a related crime, including identity theft, you may contact the nationwide consumer reporting agencies to request a fraud alert or other alerts permitted under the Fair Credit Reporting Act be placed in the files such companies maintain on you.

If you are a victim of identity theft, you should contact the Federal Trade Commission’s Identity Theft Hotline to obtain more detailed information about how to protect yourself and recover from identity theft and to file an identity theft complaint.

By sharing your identity theft complaint with the FTC, you will provide important information that can help law enforcement officials across the nation track down identity thieves and stop them. The FTC can refer victims’ complaints to other government agencies and companies for further action, as well as investigate companies for violations of laws the agency enforces.

You can file a complaint online at www.ftc.gov/idtheft by phone through the FTC’s Identity Theft Hotline, toll-free: 1-877-IDTHEFT (438-4338); TTY: 1-866-653-4261; or write: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.

Incorrect Reports

Congruit considers accuracy of consumer reports paramount to the credit reporting process. If there is incorrect information on your Congruit Credit report, please complete the Request for Investigation of Consumer Report form so that we can research this matter further.

Our goal is to ensure that all data reported is complete and correct. Only incorrect data may be removed from your report. Accurate data that is negative may not be removed unless required by law.

Once you’ve completed, printed and signed this form, please submit it via mail to Congruit.

Congruit Consumers Team
1703 McMullen Booth Rd #207
Safety Harbor FL 34695

Upon receipt of the completed form, we will pull your report and send it via U.S. Postal Service to the address specified.

IMPORTANT: For security reasons, please do not send personal information such as social security numbers, DOB, etc... via email.

Consumer Opt-Out Request

Congruit maintains your credit file and provides information to certain customers, including lenders, so that they may offer pre-approved offers to consumers as permitted by the FCRA. If you want your name and address removed from prescreen lists obtained from DataX, you may choose to opt out for five years or permanently.

If you elect to opt out permanently, please complete the form Notice of Election to Opt Out Permanently, sign, and return it to activate your permanent opt-out. Your request becomes effective with DataX within five days of us receiving your notification. Your Notice may be mailed to:

Congruit Consumers Team
1703 McMullen Booth Rd #207
Safety Harbor FL 34695

Consumer Credit Freeze

Placing a credit freeze on your credit file can help prevent unauthorized access to your Congruit credit report.

If you are concerned about identity theft, data breaches, or someone gaining access to your credit report without your permission, you might consider placing a credit freeze on your credit report.

Also known as a security freeze, this free tool lets you restrict access to your credit report, which in turn makes it more difficult for identity thieves to open new accounts in your name.

If you would like to place a credit freeze on your Congruit credit file, please complete the Credit Freeze Request form, sign, and send it to have the freeze placed on your credit file. Your credit request becomes effective within 3 business days of us receiving your notification during our normal operational hours listed below. Your Notice may be mailed to:

Congruit Consumers Team
1703 McMullen Booth Rd #207
Safety Harbor FL 34695