SET Financial Corporation (SET) may report information about your account to any and/or all of the major credit bureaus. Under the Fair and Accurate Credit Transactions Act of 2003, you have the right to directly dispute the accuracy of the information SET Financial furnishes to the credit bureaus. In order to protect your rights regarding any disputed account information, you must do the following:

  • Any dispute must be made in writing to SET at the following address: by email to
  • Your dispute notice must sufficiently identify your account relationship with SET, such as your name, a current and working phone number, address, account number, etc.
  • You must specify the information SET is reporting to the credit bureaus and why you are disputing it. In other words, please tell us what you believe is incorrect.
  • You must also provide documentation or other information to support your dispute. For example, a screenshot or copy of the tradeline or relevant section of a credit report that may contain possibly inaccurate information, account statements, a copy of a police report, an affidavit of forgery, etc.

If you fail to meet any of the above requirements it may delay any response from SET and any resolution of your dispute. In most cases, SET will respond to your dispute notice in writing within 14 business days of receiving it. The response will be either through the mail or electronically based on your account settings and document delivery preferences. If you have additional questions please contact us by phone at 800-803-2510.