Factual Data is a leading provider of independent verification services to mortgage lenders, banks, credit unions, property management firms, and other businesses. Combining innovative services with cutting-edge technology and industry-leading customer service, Factual Data enables prompt, accurate decisions. With 30 years of experience helping businesses verify the information that supports some of their most... show more
Factual Data Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 10/17/2025.
1.2
32 reviews
from WalletHub and across the web
32 reviews from WalletHub and across the web
What's Your Rating?
Review sort
Factual Data
arlene collins @arlenec_17
Report Abuse
2 Star Rating
I did not know who Factual Data was, as there was no mention of One Main Financial. If they are going to be on my credit report, it should also say 'representing One Main Financial' or whichever company it would be.
show more
show less
Product: Factual Data Credit Report
Comment
1
0
Factual Data
Deborah M Short Ms @deborahs_140
Report Abuse
1 Star Rating
This company should not run someone’s credit several times & pull people’s credit without them knowing. Have couple inquiries ( hard inquiries)
show more
show less
Product: Factual Data Credit Report
Comment
1
0
Factual Data
Arthur S Milligan Jr @artmilligan
Report Abuse
4 Star Rating
This was so fast; I did not expect this error to be handled so quickly. Thank you so much! I will tell everyone I know to get with this system when there are errors!!
show more
show less
Product: Factual Data Credit Report
Comment
0
0
Factual Data
Mohammad @mohmmadf
Report Abuse
1 Star Rating
hard inquiry from my credit report. I did not give anyone permission to run my credit. Furthermore, bad company! Stuff, not a professional.
show more
show less
Product: Factual Data Credit Report
Comment
1
0
Factual Data
Carla Robinson @Urbanviper34
Report Abuse
1 Star Rating
It really isn't fair when someone can pull your credit and not let you know. Pulling down a credit score your fighting to improve. It sucks
show more
show less
Product: Factual Data Credit Report
Comment
0
0
Factual Data
Brenda @bdmorgan9271
Report Abuse
1 Star Rating
Never authorized a hard inquiry from y'all not once, yet you have placed 5!!!! Yes 5!!!! Hard pulls in literally the same 24 hours. Judging by everyone else's reviews, we can all pretty much get the picture but this isn't ok. You're seriously messing with people's livelihood. You need to be adults and pay that man who resigned his pto time. Y'all are making money hand over fist all at our expense just because you can. It's not ok and you should be ashamed. Do the right thing for once. Since when did reputation start becoming meaningless to these companies. Your word stands for nothing. Your "helping people" isn't really helping anyone but your pockets. It's a trap from the beginning. You tell people what they want to hear, assure them you can help, assure them that their problems are far more significant and most important and then wait until one thing happens where y'all have a reason to literally ruin someone's life and y'all jump on that and run with it like white on rice. How's it feel knowing y'all are taking away peoples ability to keep their houses, pay medical bills for their sick kids, keep their car to be able to work just to turn around and penalize them for not making enough to satisfy y'all's evil greedy employees. Y'all are sick. I'm reporting to BBB, I'm reporting to all credit bureaus, and everywhere else I can that will listen. I'm done with y'all taking advantage of innocent people who just truly needed help. There's a special place in you know where for people like you. Karma is a real thing so factor that in your own applications of how much grace God may decide to loan you when you need it. Oh wait, he would because that's what you're supposed to do is help thy neighbor not screw thy neighbor over...
show more
show less
Product: Factual Data Credit Report
Comment
1
0
Factual Data
hoperoses20 @hoperoses20
Report Abuse
1 Star Rating
Not factual They reported I owe child support over 120 days. I pulled my reports and it is verified the account was closed with exceptional payments. Avoid this company!!! Not accurate. They embarrassed me . A closed case means it's closed. Not sure where they get their info but it is 10 years out of date.
show more
show less
Product: Factual Data Credit Report
Comment
0
0
Factual Data
daniela_285 @daniela_285
Report Abuse
1 Star Rating
They are the worst. We have been working with them for over a year and we have to call more offten then we should to get anything resolved. They also request items from us and borrowers that are never really needed to buy themselves time.
show more
show less
Product: Factual Data Credit Report
Comment
0
0
Factual Data
cdawnlivingston @cdawnlivingston
Report Abuse
1 Star Rating
Please kindly remove this hard inquiry from my credit report. I did not give anyone permission to run my credit. Furthermore, I have never heard of this company. Thank you
show more
show less
Product: Factual Data Credit Report
Comment
0
0
Factual Data
Jiawonia Wright @KeshBaby
Report Abuse
1 Star Rating
First off this system is inaccurate. I’ve been shopping around for mortgages and every lender (5) I’ve used all had my credit score at a 638. I went to my credit union whom uses Factual Data and my middle score with them came up to a 618! Just ridiculous!
show more
show less
Product: Factual Data Credit Report
Comment
0
0
Joseph @joseph_m_karoki
I can attest to this. Reports pulled by factual data are lower than others. They also reported a judgment that does not appear when pulled by other companies.
show more
show less
Comment
0
0
Factual Data
Bert @bertc_1
Report Abuse
1 Star Rating
I had a credit inquiry that happened on September 6 2019,this was done by a bank without my permission you need to remove this from my credit report .
show more
show less
Product: Factual Data Credit Report
Comment
0
0
Factual Data
Randall Schlecht @randallschlecht
Report Abuse
2 Star Rating
I worked at Factual Data for 14 months. At that point I decided it appropriate to resign. I kindly provided 2 weeks notice. During my employment, by taking negligible leave, I accumulated 90 hours of paid time off. During those 14 months I had two urgent issues that required about 1.5 hours each of PTO without prior approval. Otherwise I was early to work and did not need to take unauthorized time off. I was told they could set their clock by me. During my resignation checkout I was informed that I would not be paid for my 90 hours of PTO. Somewhere in their employee handbook, that is reportedly their policy. That policy was not part of my employee package and was never expressed to me. So my desire to leave on good terms turned sour. The company snatched 90 hours of PTO from me without compensation. None of this was front-loaded PTO. It was earned. I suspect that this is all you need to know about the company.
show more
show less
Comment
3
0
Factual Data
Nicole Antalek @nicolea_75
Report Abuse
2 Star Rating
Please take this inquiry off my report. I am really really trying to improve my credit and this inquiry that I didn’t know it was a HARD INQUIRY. Please please remove it from my report. I honestly do not even know what company this is and how you were verified to check my report. Removing it would be greatly appreciated
show more
show less
Comment
1
1
+ 5 WalletHub users submitted a rating without writing a full review + 14 ratings from across the web
Review Factual Data
Factual Data Q&A(4 questions)
Get answers to your questions about Factual Data below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers,
companies or professionals (collectively “listings”) that appear on this site, originate from paying advertisers.
For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where listings appear on this site (including, for
example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array
of offers, companies and professionals, but our listings do not represent all financial services companies
or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does
not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely
independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict
editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch
content, data, and tools. You are responsible for deciding what financial products and providers are best
for your needs.
We work hard to show you up-to-date product terms, however, this information does
not originate from us and thus, we do not guarantee its accuracy.
Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
know if you notice any differences.
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers: