Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/10/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Business Name: ADVANTAGE CREDIT INC Your Full Name: **** ******* Email: ********************* Phone: ************ **Complaint Details**: - "I did not authorize this hard inquiry on 12/20/2024. It is fraudulent." - "No permissible purpose was provided under **** 604." **Desired Resolution**: - Select **"Other"** and write: *"Remove this unauthorized inquiry from all credit reports and confirm in writing."*

  Business Response

  Date: 04/11/2025

  Advantage Credit, **** is a Reseller of credit reporting data and services. Essentially,we are a middleman between the Big Three Bureaus (Experian, ********** and *******) and companies who purchase and use their information to make lending decisions.
  
  With the information provided by the consumer, we are unable to locate the consumer in our system, and as such are unable to take any action on behalf of the consumer nor provide a specific response to their complaint. It is possible that the inquiry on the consumers report is from another company; there are other Resellers (Credit ******************* whose name also begins with Advantage Credit. If the consumer would like to pursue their dispute of any hard inquiry on their report, we would advise them to go to ****************************************** or lodge their dispute directly with the Reseller in question. We sincerely regret that we are unable to be of further assistance in this matter.

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Advantage Credit inc is reporting a hard inquiry on my credit file that was not authorized.15USC1681B chapter 41 subchapter III states:(4) Consumers right to privacy reporting I did not give written consent to share my information with any credit *********** are in violation of this

  Business Response

  Date: 03/11/2025

  Advantage Credit, **** is a Reseller of credit data and related services, primarily for the Mortgage Industry. Our clients, which include mortgage companies and other financial institutions, utilize our services for lending decisions by accessing credit files from the three national credit bureaus: **********, *******, and Experian.
  ************************** in ************, ** placed an order for ***** ********** credit report through Advantage Credit, **** on March 20, 2024.
  ***** ********* previously contacted us on December 31, 2024 and an investigation was conducted. Our research indicated that on March *******, ************************** accessed ***** ********** credit as part of a mortgage application. A written response was sent directly to ***** ********* at the conclusion of the investigation on January 2, 2025. Based on the enclosed documentation, we have determined that the inquiry appears to be legitimate and in connection with a mortgage application submitted by this consumer.

• Initial Complaint

  Date:01/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business is showing up on my credit report and I want them removed.

  Business Response

  Date: 01/28/2025

  Advantage Credit, **** is a Reseller of credit reporting data and services.  Our clients, who include mortgage companies and other financial institutions, utilize our services for lending purposes to access credit files from the three national credit bureaus: **********, Equifax, and Experian.
  
  Our research indicates that on January 2, 2025, your credit report was accessed by ******************, ****, **, as part of a mortgage application. Additionally, on January 25, 2025 and January 27, 2025, your credit was accessed by ***********************, *********, ** as part of a mortgage application.
  
  If you do not recognize ******************* and/or *********************** as creditors/potential creditors, you can initiate a dispute of the inquiries to have them removed either directly with the Bureaus at ******************************************, or alternately by contacting Advantage Credit, ****** ************************************************************;

• Initial Complaint

  Date:12/26/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for thiis debt with advantage credit inc, I dont have a contract with advantage credit inc. they have not provide me with any contract as requested.

  Business Response

  Date: 12/26/2024

  Advantage Credit, **** is a Reseller of credit reporting data and services. Essentially,we are a middleman between the Big Three Bureaus (Experian, ********** and *******) and companies who purchase and use their information to make lending decisions.

  With the information provided by the consumer, we are unable to locate the consumer in our system, and as such are unable to take any action on behalf of the consumer nor provide a specific response to their complaint. It is possible that the inquiry on the consumers report is from another company; there are other Resellers (Credit ******************* whose name also begins with Advantage Credit. If the consumer would like to pursue their dispute of any hard inquiry on their report, we would advise them to go to ****************************************** or lodge their dispute directly with the Reseller in question. We sincerely regret that we are unable to be of further assistance in this matter.

• Initial Complaint

  Date:09/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to dispute an unauthorized credit inquiry from ADVNTGE CRED that appeared on my credit report on August 7, 2024. I did not apply for credit or authorize this inquiry.This inquiry is negatively impacting my credit score, and I request its immediate removal from my credit report. I kindly ask that ADVNTGE CRED review their records, investigate this matter, and take appropriate action to remove the inquiry.Thank you for your prompt attention.

  Business Response

  Date: 09/23/2024

  Advantage Credit, **** is a Reseller of credit reporting data and services.  Our clients, who include mortgage companies and other financial institutions, utilize our services for lending purposes to access credit files from the three national credit bureaus: **********, Equifax, and Experian.
  
  Our research indicates that on August 7, 2024, your credit report was accessed by ********************************, *******, **, as part of a mortgage application.
  
  If you do not recognize ************** LLC as a creditor/potential creditor, you can initiate a dispute of this inquiry to have it removed either directly with the Bureaus at ******************************************, or alternately by contacting Advantage Credit, **** at ************************************************************;

• Initial Complaint

  Date:08/07/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to lodge a complaint against the following companies for unauthorized credit inquiries on my credit report due to identity theft:Unauthorized Inquiries:Creditor Name: ADVANTAGE CREDIT INC Inquiry Date: 3/17/2023 Creditor Name: ADVANTAGE CREDIT INC, Inquiry Date: 13/20/2023 These inquiries were made without my consent and are negatively impacting my credit. Despite my efforts to resolve this, the inquiries remain.Under the Fair Credit Reporting Act (FCRA), I request your assistance in removing these fraudulent inquiries. Enclosed are my credit report, identity theft report, and proof of identity.Thank you for your help in resolving this matter

  Business Response

  Date: 08/08/2024

  Advantage Credit, **** is a Reseller of credit reporting data and services.  Our clients, who include mortgage companies and other financial institutions, utilize our services for lending purposes to access credit files from the three national credit bureaus: Transunion, Equifax, and Experian.

  
  Our research indicates that on March 17, 2023 and March 20,2023, your credit report was accessed by VA Wholesale Mortgage, ****, **************,** as part of a mortgage application.

  
  If you do not recognize VA Wholesale Mortgage, **** as a creditor/potential creditor, you can initiate a dispute of this inquiry to have it removed either directly with the Bureaus at www.annualcreditreport.com, or alternately by contacting Advantage Credit, **** at ************************************************************;

• Initial Complaint

  Date:07/31/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is reporting a hard inquiry on my credit report that I did not consent nor authorize. Therefore I would the hard inquiry to be removed from my credit report.

  Business Response

  Date: 07/31/2024

  Advantage Credit, **** is a Reseller of credit reporting data and services.  Our clients, who include mortgage companies and other financial institutions, utilize our services for lending purposes to access credit files from the three national credit bureaus: Transunion, Equifax, and Experian. 
  
  Our research indicates that on February 1, 2023, your credit report was accessed by C & Z Finance LLC, *********, **, as part of a mortgage application. 
  
  If you do not recognize C &Z Finance LLC as a creditor/potential creditor, you can initiate a dispute of this inquiry to have it removed either directly with the Bureaus at www.annualcreditreport.com, or alternately by contacting Advantage Credit, **** at ************************************************************;

• Initial Complaint

  Date:07/06/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am submitting a complaint against Advantage Credit for failing to provide accurate information to lenders with regard to my credit file. There was a fraudulent collection on my credit file, once I was aware of it, I took the necessary steps to have it removed from the three major consumer reporting agencies, Equifax, TransUnion, and Experian. ALL three consumer reporting agencies removed the fraudulent collection within the 1st week of June 2024. However, Advantage Credit is still reflecting this fraudulent collection for Equifax and is refusing to remove it, although they are aware that Equifax no longer shows a collection on my credit file. There are multiple recorded conversations with Equifax and myself (06/13/2024, 06/23/2024, and 07/05/2024) where the customer service representatives all state that the collection is no longer on my credit file. Equifax also provided me with my updated credit report that shows that there isn't a collection on my credit file. Additionally, I received the dispute results documentation from Equifax via postal mail, that were dated 06/13/2024, and stated "that the collection was no longer on my credit file." This information was also provided to Advantage Credit, but they still refuse to remove the inaccurate information. I even pulled my credit report again on 07/02/2024 from annualcreditreport.com and there isn't a collection on my credit file on Equifax, Transunion, or Experian. So, Advantage Credit is knowingly "reselling" inaccurate credit information to lenders. Their incompetency is adversely affecting me, and I hope that the BBB would be prompt with determining a resolution for this case. I have included supporting documentation. Thank you.

  Business Response

  Date: 07/10/2024

  
  Advantage Credit, **** is a Reseller of credit reporting data and services. Essentially, we are a middleman between the Big Three Bureaus (Experian, TransUnion and Equifax) and companies who purchase and use their information. 
  
  Cornerstone First Mortgage, LLC in *********, ** placed an order for ***********************' credit report through Advantage Credit, **** on June 26, 2023, December 10, 2023, April 9, 2024, June 11, 2024, June 20, 2024, July 2, 2024 and July 5th .  The user who pulled the reports was *********************.  
  
  In response to this BBB complaint, if applicable, a dispute request will be submitted to Equifax for the creditor in question, LVNV Funding LLC. Once the dispute investigation is completed, the results will be sent directly to ***********************.
  

  Customer Answer

  Date: 07/14/2024

   
  Complaint: 21949548
  
  I am rejecting this response because: I filed a formal complaint against Advantage Credit on 07/06/2024 after numerous attempts to resolve an ongoing issue. Advantage Credit is refusing to remove a fraudulent collection from my credit file although documentation has been provided to them on 06/25/2024 that was directly from Equifax showing that the collection was already deleted (see attached dispute results). This was sent to Advantage Credit along with my updated Equifax credit report from 06/16/2024 and 06/23/2024, where no collection is reporting on my credit reports. Advantage Credit responded to my complaint and was completely dishonest with their response. Advantage Credit stated that the complaint was the first-time hearing about my situation, however my loan officer and I have spoken to a few Advantage Credit employees regarding this same issue for over a month now: the timeline and representatives involved are below. My loan ******** ************ has been corresponding via email with ************************* from Advantage Credit since the beginning of June 2024. ******* stated in her email that Advantage Credit would not delete the fraudulent collection from the borrower's report unless they receive documentation from the collector even though they were given the documents from ******* where it shows that the fraudulent collection was disputed and removed by ******* already. ******* then stated in her email with ************ that we could have a conference call to verify that the collection is in dispute and that it still could not be deleted unless they receive documentation from the collector, and per ******* anything else would be a cosmetic update and would not affect automatic underwriting. ************************* was the representative from Advantage Credit that received the dispute results documentation from Equifax confirming that the collection was deleted, and she responded by saying, per her email, the collection cannot be removed with the document provided by *******. I even called Advantage Credit myself on 07/01/2024 and spoke to ******* (the call was recorded). I explained the ongoing problem with *******, who then states that since I was not his client (Cornerstone First Mortgage is), he could not advise me on any of the questions that I asked. So, this is not the first time, or second time that Advantage Credit was made aware of this ongoing issue. On 07/05/2024, I was on a conference call with my loan ******** ******** and *********************** from Advantage Credit discussing the same ongoing issue (the call was also recorded) and it was confirmed once more by Equifax that the collection had already been deleted from my credit file. It seems as if Advantage Credit did not even bother to read the actual complaint or review the attached documents. This is an Advantage Credit issue and NOT AN EQUIFAX ISSUE, as Equifax removed the fraudulent collection almost a month ago now. As previously stated, the documents from Equifax were forwarded to Advantage Credit, who refuses to correct THEIR records. Advantage Credit claims to be a middleman between the big three consumer reporting agencies but doesn't even pull directly from the big three consumer reporting agencies (Experian, TransUnion, and Equifax). If Advantage Credit actually pulled directly from the big three consumer reporting agencies, Equifax in this case, then they would have accurate, verifiable, updated information in my credit file, which is required by law, and THEY DO NOT. My loan officer also requested to know who Advantage Credit pulls their credit information from, but they refused to give him (their client) this information also. Advantage Credit does not seem to want to resolve this issue, based on their responses and lack of action. It has been made clear that Advantage Credit wants to continue to be in violation of the Fair Credit Reporting Act, 15 U.S. Code 1681 e(b) which was put in place to protect consumers like myself, from situations such as these. Who does Advantage Credit actually pull their credit information from? Why do they feel the need to include this disclaimer on their documents to indemnify themselves (see Advantage Credit -***** Report attachment and below): --- "The information is furnished in response to an inquiry for the purpose of evaluating credit risks. It has been obtained from sources deemed reliable, the accuracy of which this organization does not guarantee. The inquirer has agreed to indemnify that reporting bureau for any damage arising from misuse of this information, and this report is furnished in reliance upon that indemnity. It must be held in strict confidence and complies with the provisions of Public Law ******, the Fair Credit Reporting Act. Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA, FHMC, FHA, ** and the ********************************* Advantage Credit is in clear violation of the Fair Credit Reporting Act, as they are ACTING as a consumer reporting agency and intentionally leaving inaccurate information on my credit file, then providing this information to lenders. According to the Fair Credit Reporting Act, whenever a consumer reporting agency, or those companies ACTING AS SUCH prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY. Consumer reporting agencies assume a vital role and have a responsibility to report consumer's information to the best of their ability. However, Advantage Credit continues to leave this unverified, inaccurate, fraudulent information on my credit report, which is adversely affecting me, and is grossly negligent on their part. Advantage Credit also mentioned in their response that a dispute request could be sent to Equifax. Advantage Credit needs to REVIEW THE ALREADY ATTACHED DOCUMENTS IN THIS COMPLAINT, WHERE IT SHOWS THAT EQUIFAX RESOLVED THE DISPUTE PRIOR TO 06/13/2024 AND THE FRAUDULENT COLLECTION WAS ALREADY REMOVED/DELETED, SO THERE IS NOTHING TO DISPUTE WITH *******. -----YOU are the problem Advantage Credit, knowingly providing false information to lenders even after receiving documentation that a fraudulent collection has already been deleted from Equifax. Advantage Credit is currently impairing my ability to obtain credit. I demand that Advantage Credit remove this inaccurate and erroneous information from my credit file immediately and I request to be compensated for the injuries and damages that I have endured as a result of Advantage Credit violating the ***** whatever the consumer statues allow.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:07/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On November 21, 2022 a company named Advantage Credit, **** did an inquiry on my credit report. It was a hard Inquiry and I did not authorize it. I just looked at my credit report on Credit Karma and I saw that this was on there and I don't know why. I have never heard of them and I want it removed as I did not authorize it. Thank you, ***********************

  Business Response

  Date: 07/08/2024

  Advantage Credit, **** is a Reseller of credit reporting data and services.  Our clients, who include mortgage companies and other financial institutions, utilize our services for lending purposes to access credit files from the three national credit bureaus: Transunion, Equifax, and Experian.
  
  Our research indicates that on November 21, 2022, your credit report was accessed by HAUS ******************** *********, **, as part of a mortgage application.
  
  If you do not recognize HAUS ******************* as a creditor/potential creditor, you can initiate a dispute of this inquiry to have it removed either directly with the Bureaus at www.annualcreditreport.com, or alternately by contacting Advantage Credit, **** at ************************************************************;

• Initial Complaint

  Date:03/28/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company withdrew $75 without a signed authorization from my checking account.

  Business Response

  Date: 03/29/2024

  Advantage Credit, **** is a Reseller of credit reporting data and services.  Our clients, who include mortgage companies and other financial institutions, utilize our services for lending purposes to access credit files from the three national credit bureaus: Transunion, Equifax, and Experian. 
  
  Our research indicates that on March 21, 2024, ***************************** credit report was accessed by prospective lender ***************************, in ******, **, as part of a mortgage application in which the consumer was charged for the credit report.  
  
  Based on the enclosed documentation, we have determined that the inquiry and the $75.00 charge appear to be legitimate and in connection with a mortgage application submitted by the consumer submitting the BBB Complaint.