Although the 26 Red Flags rules are primarily applicable to financing institutions, United One Resources has always had measures in place to prevent fraud and identity theft. With the onset of the new Red Flag criteria, we have adapted our procedures to address the concerns set forth therein as they would pertain to and effect our daily operations and interactions with our valued clientele. By so doing, we provide those parties that use United One as a vendor additional security and peace of mind knowing United One Resources acknowledges and has taken steps to ensure the integrity of confidential and sensitive information within our company.

For information regarding the 26 Red Flags, click here.

Under the Fair and Accurate Credit Transactions Act of 2003 (FACTA), United One Resources acts as a "reseller" of credit reports through the three national credit reporting agencies. We provide credit reports, risk scores and tradeline supplements to banks, credit unions and mortgage companies. Sometimes, the information we provide may lead your mortgage lender to deny your loan.

Under the FACTA, you have certain rights as a consumer when applying for any loan. The attached document, "A Summary of Your Rights under the Fair Credit Reporting Act" , outlines your legal rights. You can also go to the Federal Trade Commission's website for additional information.

If you are a victim of identity theft, you have certain rights as a consumer. The attached document, "Remedying the Effects of Identity Theft" , outlines your legal rights. You can also go to the ID Theft website for additional information.

If you have been denied credit in the past 60 days, you can obtain a free copy of your credit report by contacting one of the three national credit reporting agencies at the phone number or website listed below.

Under the provisions of the Fair and Accurate Transactions Act of 2003, you will be able to obtain a free copy of your credit report once a year from each of the three national credit reporting agencies. For more information on how to obtain your free credit report, go to www.annualcreditreport.com. If you desire, you can complete this form and request your credit report by mail.

If you would like to dispute information on your credit report, please download and complete the dispute form .

If you would like to get a copy of your credit report, please download the consumer copy request form .

A knowledgeable and friendly United One Resources team member would be pleased to talk to you about your title insurance needs. Please click here to request a phone call or more information. .

If you are a current or prospective customer of United One Resources, please visit our product page for more information on mortgage credit reports.