Consumer Support

If You Have Been Denied for a Loan...

Clarity Services, Inc., is a Consumer Reporting Agency that provides information to lenders.  We do not provide loans.  If your loan request has been denied from one of our participating lenders, their decision may have been based on the information provided to them by Clarity Services.

Please understand that Clarity Services, Inc., did not deny your loan request, and cannot inform you of any specific reason(s) why your loan request was denied; we can only provide you with the same information supplied to the lender at the time of your loan request/application.  

You, as a consumer, are entitled to receive a free copy of that same information which was provided at the time of your loan request.*  To request a copy of your Consumer Report, please select the Click Here to Request Your Consumer Report button above.  

If You are a Member of the U.S. Military...

All service-members of the United States Military that are in active duty status are eligible to place an Active Duty Alert on their SSNs.  Should the service-member’s SSN come through the Clarity System, Clarity is notified and additional identity verification steps must be fulfilled.  The Active Duty Alert remains on file with the service-member’s SSN as long as they are considered active. 

Please know that this service is eligible to only those that are active duty and have had a SSN pass through the Clarity System.  For more information on the Active Duty Alert or to see if you are eligible, please contact Clarity’s Consumer Support Department at (866) 390-3118.

* Obtaining information under false pretenses is illegal. Obtaining a consumer report on someone other than you is punishable by law.

  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.

  11. Can I have my consumer report sent to me through email?

    12. No, Clarity is required to send the consumer report either through fax or United States mail.  There are no exceptions; this is to protect your identity.