Although the 26 Red Flags rules are primarily applicable to financing institutions, United One has always had measures in place to prevent fraud and identity theft. With the onset of the new Red Flag criteria, we have adapted our procedures to address the concerns set forth therein as they would pertain to and effect our daily operations and interactions with our valued clientele. By so doing, we provide those parties that use United One as a vendor additional security and peace of mind knowing United One acknowledges and has taken steps to ensure the integrity of confidential and sensitive information within our company.
For information regarding the 26 Red Flags, click here.
Under the Fair and Accurate Credit Transactions Act of 2003 (FACTA), United One acts as a "reseller" of credit reports through the three national credit reporting agencies. We provide credit reports, risk scores and tradeline supplements to banks, credit unions and mortgage companies. Sometimes, the information we provide may lead your mortgage lender to deny your loan.
Under the FACTA, you have certain rights as a consumer when applying for any loan. The attached document, "A Summary of Your Rights under the Fair Credit Reporting Act", outlines your legal rights. You can also go to the Federal Trade Commission's website for additional information.
If you are a victim of identity theft, you have certain rights as a consumer. The attached document, "Remedying the Effects of Identity Theft", outlines your legal rights. You can also go to the ID Theft website for additional information.
If you have been denied credit in the past 60 days, you can obtain a free copy of your credit report by contacting one of the three national credit reporting agencies at the phone number or website listed below.
Under the provisions of the Fair and Accurate Transactions Act of 2003, you will be able to obtain a free copy of your credit report once a year from each of the three national credit reporting agencies. For more information on how to obtain your free credit report, go to www.annualcreditreport.com.
To file a Consumer Credit Report Dispute please download, complete and mail in the Consumer Dispute Form.
If you would like to get a copy of your credit report, please download the consumer copy request form.
A knowledgeable and friendly United One team member would be pleased to talk to you about your title insurance needs. Please click here to request a phone call or more information.
If you are a current or prospective customer of United One, please visit our commercial and residential product pages for more information.
Experian National Consumer Assistance Center PO Box 9556 Allen, TX 75013 888-397-3742 Experian Website Equifax PO Box 740241 Atlanta, GA 30374 800-685-1111 800-685-5000 Equifax Website TransUnion Consumer Relations 760 Sproul Road PO Box 403 Springfield, PA 19064 800-916-8800 800-685-5000 TransUnion Website
The success of our company is tightly connected to the success of our customers and our employees. We excel at personal customer service, process innovation, and technology leadership to improve and accelerate our customers’ lending decisions.