Your credit file
Credit reporting, and what you can do about it
The part of consumer credit that affects people longest and gets explained least. Here is how it works, what we have published about our own reporting, what we have not, and the clock that starts the moment you dispute something.
How it actually works
Two different companies, and only one of them is us
Almost every argument about a credit file comes from these two being confused with each other.
The furnisher
That is a company like us. A furnisher sends information about an account — the balance, whether payments arrived, when it opened and closed — to a consumer reporting agency. If what was sent is wrong, the furnisher is who fixes it, and disputing with us directly is the shortest route to that.
The consumer reporting agency
That is the company that holds your file and sells reports from it. They did not invent the entry — somebody furnished it to them. You can dispute with them too, at the same time as disputing with us, and neither route blocks the other.
Including the gaps
What we have published, and what we have not
Where we have not published something yet, this section says so.
We have not published which agencies this is furnished to
We have not published the list of consumer reporting agencies this agreement is furnished to, and we are not going to guess at it on a page people plan their lives around. Ask us and you will get the answer in writing, on the case, within one business day. When it is confirmed it will appear here with the date it was confirmed.
Blank on purpose rather than guessed at.
reviewed 2026-09-14
Will appear here with the date it was confirmed.
reviewed 2026-09-14
Calendar days, set by law, from the day we receive it.
Fair Credit Reporting Act §611, 15 U.S.C. §1681i; Regulation V, 12 CFR 1022.43
Two of those three say “not yet”, and leaving them that way is deliberate. Naming a consumer reporting agency we do not actually furnish to would be a fabricated fact on a page people plan mortgages around — and a confident wrong answer here is worse than a gap that says so. Ask us and you get the real answer in writing within one business day.
What you can do
Your rights, in plain words
None of these depends on our goodwill, and none of them costs anything.
What you are entitled to
- You can dispute anything on your file that you believe is wrong. It costs nothing and you can do it as many times as you need to.
- You can dispute it with us directly, with the consumer reporting agency, or with both at once. The routes are independent and using all of them is allowed.
- A dispute has to be investigated, not simply restated back to you. If we got it wrong we correct what we furnished.
- You are entitled to free copies of your own file, and you should never pay anyone for that copy.
- None of this affects your agreement, your rate or your schedule, and none of it is held against you anywhere.
What we will not do
- We do not charge for a dispute, an investigation, or a correction. There is no such thing as a fee for fixing our own record.
- We do not ask you to prove it first. A dispute is investigated whether or not you attach anything.
- We do not ask you to close the dispute as a condition of anything — not a payment plan, not a settlement, not a payoff.
- We do not treat a dispute as a complaint, or a complaint as a dispute. They go to different people with different clocks.
The clock on a direct dispute
A direct dispute about what we furnished is investigated inside the period set by the Fair Credit Reporting Act. It is 30 calendar days — weekends and public holidays are inside that window, not added to it — and it starts the day we receive the dispute, not the day somebody gets round to opening it.
Authority: Fair Credit Reporting Act §611, 15 U.S.C. §1681i; Regulation V, 12 CFR 1022.43(opens in a new tab)
Before you dispute anything
Get your own copy of the file first
Disputing a specific field beats disputing a feeling, and the specific field is on the report.
The questions people actually ask
Straight answers
Including the two that make us look worse than a vaguer answer would.
Asking is not an adverse event and we do not report it as one. What can appear on a file is what actually happened to the account — payments arriving or not arriving. That is exactly why telling us early is worth doing: the accommodation exists to stop the thing that would be reported.
Either, or both at the same time. Disputing with us directly is usually faster because we hold the account records. Disputing with the agency puts the entry itself into their process. Doing both is allowed, and neither route cancels the other.
You are told the result and what it was based on. You can dispute again with new information, you can dispute directly with the consumer reporting agency, and you can complain about how we handled it — the complaint ladder ends at the Texas Office of Consumer Credit Commissioner and the federal Consumer Financial Protection Bureau, not at us.
We have not published that yet, and this page says so rather than guessing. Ask us and you will get the answer in writing within one business day, on a case with a number on it. When it is confirmed it will appear on this page with the date it was confirmed.
Settling changes the account status, because the account is settled. There is no prepayment penalty on this agreement. What we furnish reflects what happened; it is not something we adjust as a favor or hold back as a bargaining chip.
That is set by law and controlled by the consumer reporting agency, not by us — which means anyone promising to make an accurate entry disappear for a fee is selling you something they cannot deliver. If an entry is wrong, dispute it and it gets corrected. If it is right, no amount of paying somebody will remove it early.
Something here unclear?
That is worth telling us, and it is a complaint rather than a question — this page is supposed to be the clear one. Say so here.
Something on your file wrong?
A direct dispute starts a statutory clock you can watch from your account.
Who you are dealing with, and what it costs
- Dollar Loans LLCCredit Access Business
- Arranges the funding and charges the Credit Access Business fee, worked out on the amount advanced for each month the agreement runs.
- S2 Funding LLCLender of record
- Advances the funds and charges interest on the amount advanced, for the whole term. That interest is S2 Funding LLC's part only, and it is not the total cost of credit.
Registration status
Texas credit access business registration: not yet issued
Check our registration status with the Office of Consumer Credit CommissionerRegulator
Office of Consumer Credit Commissioner
2601 North Lamar Boulevard, Austin, TX 78705
Consumer helpline (800) 538-1579
- Fee structure
- An arranging fee for each month the agreement runs, charged by Dollar Loans LLC, plus interest for the whole term, charged by S2 Funding LLC, both worked out on the amount advanced. Each is shown in dollars before you sign.
- Annual percentage rate
- The annual percentage rate counts our fee and S2 Funding LLC's interest as one yearly figure, worked out by the actuarial method Regulation Z sets out. Until our way of calculating it has been checked, this site prints the dollar figures and leaves the rate out. S2 Funding LLC's interest on its own is not the cost of this agreement.
- Your right to cancel
- You may cancel by midnight of the third calendar day after you sign, at no cost. You return the amount advanced and owe nothing further.
- Paying early
- There is no prepayment penalty.
$2,000 to $50,000. The amount depends on the vehicle and your application. Full fee schedule at /occc. These disclosures are effective September 14, 2026.