Credit Reporting

HomEq Servicing may report the status of your account(s) to credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected on your Credit Report which is created by the credit reporting agencies. Although you may later bring your account to a current status, it does not discount the fact that a payment was received after the scheduled payment date. You may want to take advantage of our Automatic Payment Program to ensure your payments are received on time.

If you believe that your Credit Report contains errors pertaining to your HomEq Servicing account, you may contact one of the credit reporting agencies referenced below or submit a written dispute directly to HomEq Servicing.

Contact information for the major credit reporting agencies:

By clicking on one of the Links (name of the credit reporting agency) provided above, you can:

• Order a Credit Report
• Obtain a copy of your existing Credit Report
• Begin a formal dispute process if you believe inaccurate information has been provided on your Credit Report

If credit was denied, or you feel that information provided by HomEq Servicing is inaccurate, please review your payment history by clicking on the Payment History Link. If you wish to dispute the information on your Credit Report, and/or Payment History, then furnish the following to HomEq to research your concerns:

• A written description of the dispute, name and account number
• A copy of your most recent Credit Report

The information may be faxed to (916) 339-6945 or mailed to:

HomEq Servicing
Attn: Credit Bureau Unit, Suite 200, CA3360
P.O. Box 13716
North Highlands, CA  95853-3716

Note: HomEq will provide written correspondence acknowledging receipt of your correspondence within 20 business days, and/or a final resolution no later than 60 business days from receipt of your correspondence. Business days are Monday through Friday excluding legal public holidays.