You have questions, we have answers! Advantage Credit provides credit reporting services to mortgage lenders, brokers, banks and home equity lenders. Advantage Credit is an FCRA-regulated credit reporting reseller and states it is exempt from the CCPA and will not honor deletion requests for consumer reporting information. There is no opt-out form; your only real options are to initiate a dispute (they may ask for personal info to authenticate you) via their Consumer Credit Help contact or phone line, or to request a security freeze directly from Equifax, Experian, or TransUnion since Advantage Credit does not accept freeze requests.