Consumer Support

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Free Annual File Disclosure

If You Have Been Denied for a Loan...

Clarity Services, Inc. is a Consumer Reporting Agency (i.e., a “Credit Bureau”) that provides information about you to our subscribers. If you recently applied for a loan with one of our subscribers and were denied, their decision may have been based on the information provided to them by Clarity Services.

Please understand that Clarity Services does not offer loans, did not deny your loan request, and cannot inform you of any specific reason(s) why your loan application was denied. However, you are entitled to receive a copy of your file with Clarity Services, Inc.

If you wish to do so, please select the Click Here to Request a Copy of Your File button above.

  1. What is Clarity Services?

    2. Clarity Services, Inc. is a consumer reporting agency which provides information to lenders and develops efficient and effective data reporting products to help businesses reduce high-risk lending.

  2. How does Clarity gather its information?

    3. Clarity gathers and builds its database through various vendors and historical transactions.

  3. How come you can release my personal information without my authorization?

    4. Any company, under FCRA regulations, may obtain a copy of your credit report with permissible purpose.

  4. Does Clarity Services offer loans?

    5. No. Clarity Services is an information provider, not a lender.

  5. What is an inquiry?

    6. An inquiry is a request by someone who has permissible purpose to view a record of your personal information.

  6. Why did Clarity Services Inc. deny my application?

    7. Clarity Services Inc. did not turn down your application. Clarity does not provide lending decisions. Clarity supplies lenders with the potential default risks or presence of fraud on loan applications.

  7. Why do inquiries appear on my Clarity Services reports but not on my Credit Report from a different major Credit Bureau?

    8. You may not see any Clarity activity on a credit report from a major credit bureau because most of the companies that use our service do not report to one (or all) of the three major credit bureaus.

  8. Can I dispute the information in my record?

    9. Yes, please contact Clarity's Consumer Support Department at (866) 390-3118 to initiate an investigation free of charge.

  9. How much does it cost to obtain my Consumer Report?

    10. If your loan application has been recently approved or denied, you are entitled to receive your Consumer Report for free.

    To request your Consumer Report, please contact Clarity's Consumer Support Department at (866) 390-3118 or email Consumers@clarityservices.com.

  10. Can you tell me why I was denied over the phone or through email?

    11. No, the only way we provide information is through United States mail.