Frequently asked questions

We want to ensure you have the info you need. We’ve answered the most common questions about Figure here, but please reach out if we can help.

FAQS design

Report a Problem

How do I file a credit report dispute?

If you believe Figure has provided inaccurate information to consumer reporting agencies, please complete our Credit Reporting Dispute Form and mail it to the following address:

Figure Lending LLC
Attn: Risk Department - Credit Disputes
650 California Street, Suite 2700
San Francisco, CA 94108

Figure will generally respond to your credit bureau within 30 days. The dispute process may be delayed if the information received is insufficient to identify your account or the information being disputed.

What do I do if I disagree with the decision about my dispute?

Once the information provided in your dispute is reviewed and deemed accurate, the decision is considered final. However, you may resubmit the dispute to the address below and provide any missing and/or new documentation that wasn’t submitted at the time of the original dispute.

Figure Lending LLC
Attn: Risk Department - Credit Disputes
650 California Street, Suite 2700
San Francisco, CA 94108

Your resubmitted dispute will be processed using the same process as your original dispute.

What do I do if I don’t see a payment I made?

If you are signed up for AutoPay, your payment will show up on your account on the payment due date after 10 AM PT. If you made a one-time payment on a business day before 9PM PT through your Figure account, you should see the payment immediately. If your one-time payment was made after 9PM PT or on a holiday then you should see your payment at 10AM PT on the next business day. For payment-related questions, please contact us at loans@figure.com or 1-888-819-6388 (Not for use by New York borrowers).