Alliance is Focused on Both Business and Consumer Needs

Alliance provides employers, mortgage professionals, businesses, private landlords and commercial property managers with information services.

For consumers we provide inexpensive access to personal credit reports and identity theft protection through our partnership with Equidata.

Getting a FREE Copy of Your Credit Report

An amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. You can get an annual free copy of your credit report online by going to annualcreditreport.com.

Disputes Related to Your Credit Report

If you wish to dispute an item included on your credit report, your may contact one or more of the following Credit Reporting Bureaus:

Be sure and hold onto copies of all documents related to your dispute. Never send in your original credit report, or creditor statements you're using as support for your dispute. It is very important that you keep a good file on your credit dispute process, and have all items if requested in the future. To ensure that your complaints are heard, Alliance 2020 suggests to always send dispute letters and other correspondence by registered mail.  The tracking number will become an important part of your dispute records.

Depending on the item that is an error, along with your credit report dispute consider contacting the creditor directly. A lot of information is handled via automated systems these days, and computers can make mistakes, or an employee could accidentally wrongly key in important information. Creditors, once contacted, should contact the credit bureau to resolve issues on your behalf.

After a credit bureau receives your dispute credit report error, they have approximately 30 days to investigate. The credit bureaus will attempt to prove the item is not an error.  If this cannot be done within the time allotted the item will be deleted. However, if the bureau later finds the item disputed is correct, it will be reinserted into your credit file.

The Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy for information in the files of every "consumer reporting agency" (CRA). You can find the complete text of the FCRA, 15 U.S.C. 1681-1681U, at the Federal Trade Commission's web site – www.ftc.gov. The FCRA gives you specific rights as a consumer. You may have additional rights under state law. You may contact a state or local consumer protection agency or state attorney general to learn those rights.

The FCRA also provides you the right to "Opt Out", to prevent your credit information from being offered to other companies not initiated by you.