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Central Credit · Casino credit reporting

Denied casino credit because of a Central Credit report?

Central Credit, LLC gives casinos gaming credit and bank information on patrons who apply for credit, front money or check cashing. If your Central Credit file is wrong and the company won't fix it, the Fair Credit Reporting Act lets you sue.

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Who Central Credit is and who relies on its reports

Central Credit, LLC runs a patron credit database for the casino industry. Its website describes CentralCredit as the casino industry’s first computerized patron gaming credit data service, dating back to 1958, and says Central Credit, LLC, a subsidiary of Everi Payments, Inc., is a consumer reporting agency governed by the Fair Credit Reporting Act. The CFPB’s list of consumer reporting companies says it provides consumer credit information to a network of gaming establishments when casino operators extend lines of credit.

According to its website, Central Credit’s products include gaming credit reports drawn from casinos across major gaming markets, credit bureau reports, bank information reports on a patron’s funds, identity reports, and an online application patrons use to apply for casino credit, front money or check cashing. When a casino turns down a marker request or cuts your credit line, a Central Credit report may be the reason.

In July 2025, according to iGaming Business, private equity firm Apollo completed its acquisition of Everi and IGT’s Gaming & Digital business, combining them into a Las Vegas-based company that operates as IGT and keeps the Everi brand in some markets.

Errors that show up on Central Credit reports

Casino credit records move between properties, banks and the reporting company, and the stakes are high because markers can be large. Problems consumers report include:

  • Paid markers shown as unpaid. A marker you redeemed or repaid still listed as outstanding or returned.
  • Mixed files. Another patron’s gaming credit history attached to your name, especially with common names or shared addresses.
  • Identity theft. Credit applications or markers opened by someone using your information.
  • Wrong bank data. Inaccurate account information that makes it look as though your bank could not cover a marker.
  • Obsolete items. Negative history older than the FCRA allows.
  • Rubber-stamp disputes. A dispute closed after the casino simply confirmed its own records.

How to dispute Central Credit

Central Credit’s website does not publish a step-by-step dispute process. Its patron inquiry line and the contact details on its CFPB listing are the channels to use:

  1. Ask why you were denied. A casino that denies credit based on a Central Credit report must tell you so in an adverse action notice and explain your right to a free copy.
  2. Request your file. Call Central Credit’s patron line at 800-566-2087, or write to the address on its CFPB listing: Everi Payments, 7250 S Tenaya Way, Suite 100, Las Vegas, NV 89113. The CFPB says the company provides a free report when an adverse action results from information in the report.
  3. Dispute in writing. Send a letter to the same address identifying each item that is wrong, why it is wrong, and what it should say. Include your full name, current address and enough identifying information for the company to find your file.
  4. Attach proof. Send copies of marker payoff receipts, bank statements, casino correspondence or an identity theft report.
  5. Dispute with the casino too. The CFPB advises disputing with both the reporting company and the company that supplied the information.
  6. Keep copies of everything and use a mailing method that proves delivery.

How to contact Central Credit

  • Website: everi.com/fintech/casino/central-credit
  • Patron inquiry phone: 800-566-2087
  • Mailing address for file requests and disputes (per the CFPB): Everi Payments, 7250 S Tenaya Way, Suite 100, Las Vegas, NV 89113

Your rights under the FCRA

  • Accuracy (15 U.S.C. § 1681e(b)). Central Credit must follow reasonable procedures to assure maximum possible accuracy of the information it reports about you.
  • Reinvestigation (§ 1681i). After you dispute, Central Credit must conduct a reasonable reinvestigation, free of charge, generally within 30 days, notify the casino or other furnisher, and correct or delete information that is inaccurate, incomplete or cannot be verified.
  • File disclosure (§ 1681g). You may see all information in your file and its sources, including which casinos have requested your report.
  • Free disclosures (§ 1681j). You are entitled to a free copy within 60 days after an adverse action notice.
  • Permissible purpose (§ 1681b). A casino may pull your report only for a purpose the FCRA allows, such as reviewing your credit application.
  • Reporting time limits (§ 1681c). Most adverse information older than seven years may not be reported.
  • Adverse action notice (§ 1681m). A casino that denies you credit or check cashing based on a Central Credit report must name Central Credit and explain your rights.

Can you sue Central Credit?

Yes, if Central Credit reported inaccurate information because it did not follow reasonable procedures, or if it failed to reasonably reinvestigate after you disputed. Examples include a report that kept showing a repaid marker as unpaid after you sent proof, or a file mixed with another patron’s history.

What you may recover. For a negligent violation, you may recover your actual damages, such as lost credit, out-of-pocket costs and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n).

The deadline. An FCRA lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (§ 1681p).

Keep the casino’s denial, your Central Credit report, your dispute letter and any response. Those documents usually decide whether a case is worth bringing.

Get a free case review

If a Central Credit report was wrong and the company would not fix it, act promptly. FCRA Attorneys represents consumers in federal court on contingency, so there is no fee unless we win. Contact us for a free case review, or see our FCRA practice and the other companies we cover.

Questions about suing Central Credit

Can I sue Central Credit?

Yes, if the facts support a claim. Central Credit's own website says Central Credit, LLC is a consumer reporting agency governed by the FCRA. If it reports inaccurate information without reasonable procedures, or fails to reasonably reinvestigate your dispute, you may have a claim.

Who owns Central Credit?

Central Credit's website and the CFPB's list of consumer reporting companies describe Central Credit, LLC as a subsidiary of Everi Payments, Inc. Private equity firm Apollo completed its purchase of Everi and of IGT's Gaming & Digital business in July 2025, and iGaming Business reports that the combined company operates as IGT and keeps the Everi brand in some markets.

How do I get my Central Credit report?

Contact Central Credit at 800-566-2087 or write to the address the CFPB lists for the company in Las Vegas. The CFPB says Central Credit provides a free report when an adverse action results from information in the report. You can also ask for your file under the FCRA's disclosure rules.

What does it cost to bring a case?

There is no fee unless we win. FCRA Attorneys handles these cases on contingency, and the FCRA lets a successful consumer recover reasonable attorney's fees and costs from the company.

Related reading

Sources

Updated November 2026. This page is general information, not legal advice.

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