About Your Credit

For loans booked with Santander Consumer USA (the owner of the RoadLoans brand), we report credit information to all three major credit bureau agencies at the end of each month. Although we submit the information to the bureaus at the end of the month, the bureaus have 30 days from the receipt of our data to update a consumer’s credit report.

We report credit data to Experian, Equifax and TransUnion. The financial institution listed on your credit report is Santander Consumer USA, your loan servicer. The contact information for each is as follows:

475 Anton Blvd.
Costa Mesa, CA 92626
P: (888) 397-3742
P.O. Box 2000
Chester, PA 19022
P: (800) 916-8800
P.O. Box 740241
Atlanta, GA 30374
P: (800) 685-1111

Frequently Asked Questions About Credit

You must contact the credit reporting agencies (CRAs) directly and dispute the information. Once the CRAs receive the dispute, they will contact us and we will investigate the matter.
Due to the sensitivity involved in discussing a consumer’s credit reporting history, we will not verbally try to resolve alleged inaccuracies. However, after you have received the results of your initial investigation with the credit reporting agencies and you are not satisfied with the results, you may contact us directly. You can dispute the initial results and request that a reinvestigation be completed by us.
In order for us to comply with your request, you must file a report with the local police or the police in the community where the identity theft took place. You must also file a complaint with the Federal Trade Commision using one of the following methods listed below: If you feel you may have been a victim of Identity Theft, there are companies who specialize in assisting you. IDSafeChoice Plus is a fully-managed identity theft recovery service for consumers who are victims of fraud, or who have reason to believe they may become victims of fraud. The IDSafeChoice Plus fully-managed recovery program utilizes a Limited Power of Attorney (LPOA) to enable a Recovery Advocate to act entirely on behalf of the consumer. IDSafeChoice Plus Advocates will make phone calls, file disputes, and submit correspondence on behalf of the victim to the entities involved. Advocates will continue working on the victim’s behalf until the victim’s identity has been restored to pre-event status. What is included:

  • 24x7x365 Identity Advocate Support
  • Advocates are FCRA/ICFE/ITRMS Certified
  • Advocates are Private Investigator Licensed
  • Lost Document Rescue for Lost, Stolen or Disaster
  • 3 Credit Reports Delivered in First Phone Call
  • Internet Black Market Search to Discover other Fraud
  • Non-Credit Loan Search to Discover other Fraud
  • Overnight Delivery of Fraud Recovery Plan
  • Creation of Law Enforcement-Grade Case File
  • 24x7x365 Online Case Status Portal
  • Credit/Check Fraud Resolution
  • Medical Identity Theft Resolution
  • Government Benefits Fraud Resolution
  • True Name and All Other Types of Fraud
  • Criminal Investigation and Evidence Capture
  • No Time Limit; Return to Pre-Event Status
  • Personal Advocate Follow-up for One Full Year
  • Free Credit Monitoring for 12 Months

Also includes: Credit Monitoring for a period of 12 months after the case is closed.

If you are victimized by identity theft, your Advocate will work on your behalf to restore your identity. Your Advocate will:

  • Place fraud alerts at the three major credit bureaus for you.
  • Provide you with access to credit reports from all three bureaus and review the reports with you to identify fraudulent activity.
  • Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
  • Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
  • Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc. as applicable, to address any misuse of official documentation of your identity.
  • Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
  • Follow up to make sure all wrongful activity is reversed and removed from your records.
  • Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity.

Additional ways to contact the Federal Trade Commission:

  • Online: http://www.consumer.gov/idtheft
  • FTC’s Identity Theft Hotline: 1-877-IDTHEFT
  • Write: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580
  • Complete: An ID Theft Affidavit provided by the FTC and include the Fraudulent Account Statement
You may contact your customer service representative at (888) 222-4227 to request a payment history, and we will mail or fax this information to your attention.
The only way a customer’s account can be added to their credit report is through our monthly data tape transmission. If a customer has used a credit repair clinic to get items removed from their credit or has disputed an item and it was deleted, the credit reporting agencies cannot add this item back to the consumer’s credit report due to FTC regulations.