Mortgage derailed by a Credco credit report?

Who Credco is and who relies on its reports

Credco describes itself as a reseller of consumer reports and other information to banks, mortgage companies and other lenders. Its merged reports can combine data from Equifax, Experian and TransUnion into a single report that a lender uses to decide whether to approve a loan and on what terms. Credco says it does not maintain its own database for producing new consumer reports.

Credco is part of the company long known as CoreLogic. In March 2025, CoreLogic announced it was rebranding as Cotality, and Credco’s consumer assistance page now lives on the Cotality website. You may see “Credco,” “CoreLogic Credco” or “Cotality” on a lender’s paperwork or as an inquiry on your credit reports.

Credco is not the same business as SafeRent Solutions. SafeRent, the tenant screening company, was formerly called CoreLogic Rental Property Solutions and, according to the CFPB, has been acquired by Park Hill Holdings. If an apartment application was the problem, see our SafeRent page and our tenant screening errors page.

Why merged reports go wrong

A merged report is only as accurate as the bureau data that goes into it, and the merging step can add its own problems:

• Bureau errors passed through. An account that is not yours on one bureau’s file shows up on the merged report the lender sees.
• Duplicates. The same debt reported by several bureaus can appear as multiple debts if it is not matched correctly.
• Mixed files. Records belonging to someone with a similar name or Social Security number.
• Wrong balances. Paid, settled or bankruptcy-discharged debts shown as still owed.
• Corrected errors that linger. A bureau fixes your file, but the lender is still working from an earlier merged report.

In a mortgage, one of these errors can mean a denial, a higher rate, a larger down payment, or a lost house.

How to get your Credco report and dispute it

Credco’s consumer assistance page says its Consumer Services Department can help you research an inquiry, get a copy of a Credco report that contains your information, or dispute information in a report. The page explains how to reach it and what identification to send, including a photo ID and a proof of address dated within the last 120 days.

1. Read the lender’s notice. A lender that denies you or offers worse terms based on a report must name the company that supplied it.
2. Request the Credco report the lender used. That shows exactly what the lender saw.
3. Dispute with Credco and with the bureaus. Because Credco resells bureau data, dispute each error with the bureau that reported it too. Credco’s page lists the bureaus’ websites.
4. Ask the lender about a rescore. Once errors are corrected, ask whether the lender can update the report before closing.
5. Keep copies of every notice, report, dispute and response.

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). As a consumer reporting agency, Credco must follow reasonable procedures to assure maximum possible accuracy of the reports it sells, including how it merges bureau data.
• Reseller reinvestigation (§ 1681i(f)). When you dispute with a reseller, it must determine whether the error came from its own handling of the data. If it did, it must correct the report within 20 days. If it did not, it must pass your dispute to the bureau that supplied the information within five business days and tell you the result when it gets it.
• Bureau reinvestigation (§ 1681i(a)). The bureau that supplied the bad data must reasonably reinvestigate, free of charge, generally within 30 days, and correct or delete inaccurate, incomplete or unverifiable information.
• File disclosure (§ 1681g). You may see the information in your file and its sources.
• Free copy after adverse action (§ 1681j). You are entitled to a free copy within 60 days after an adverse action notice.
• Reporting time limits (§ 1681c). Most adverse information older than seven years, and bankruptcies older than ten years, may not be reported.
• Adverse action and risk-based pricing notices (§ 1681m). A lender that denies you or gives you worse terms based on a report must tell you, name the reporting company, and explain your rights.

What you may recover

For a negligent violation, you may recover your actual damages, such as a lost mortgage or home purchase, higher interest 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).

Get a free case review

If a Credco report cost you a mortgage or better loan terms because the data was wrong, act before 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 (15 U.S.C. § 1681p). 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 CoreLogic Credco

Can I sue CoreLogic Credco?

Yes, if the facts support a claim. Credco describes itself as a reseller of consumer reports, and resellers are consumer reporting agencies with their own FCRA duties, including reasonable procedures for accuracy and specific obligations when you dispute. Often the bureau that supplied the bad data is responsible too.

Is Credco still part of CoreLogic?

CoreLogic announced in March 2025 that it was rebranding as Cotality, and Credco's consumer assistance page is now hosted on the Cotality website. You may still see the CoreLogic or Credco name on a lender's paperwork or as an inquiry on your credit reports.

Is Credco the same as SafeRent Solutions?

No. SafeRent Solutions was formerly known as CoreLogic Rental Property Solutions, and according to the CFPB it has been acquired by Park Hill Holdings. SafeRent sells tenant screening reports; Credco sells merged credit reports to lenders. If you were screened for an apartment, see our SafeRent page.

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.

Sources

• Cotality: Credco Consumer Assistance (reseller of consumer reports; merged reports from Equifax, Experian and TransUnion; how to request a copy or dispute)
• Cotality press release, Mar. 24, 2025: Meet Cotality, CoreLogic rebrands
• CFPB consumer reporting companies list: SafeRent Solutions, LLC (formerly CoreLogic Rental Property Solutions; acquired by Park Hill Holdings)

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