Credit Reporting

Checking your credit yearly can help prevent identity theft and also help you build credit to qualify and save on loan products, among other things.

Why would I want a copy of my credit report?

Your credit report has information that affects whether you can get a loan – and how much you will have to pay to borrow money. Use a copy of your credit report to:

• Make sure the information is accurate, complete, and up-to-date before you apply for a loan.
• Help guard against identity theft. That’s when someone uses your personal information – like your name, your Social Security number, or your credit card number – to commit fraud.

To request a free credit report you have three options:

1. Request your Credit Report Online
   It’s quick, easy and secure. If you are eligible for a no-cost credit report, you will be able to view it and print it after your identity is verified. This website allows you to request a no-cost credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
   www.annualcreditreport.com/
2. Request your Credit Report by Phone
   After a simple verification process over the phone, our reports will be mailed to you.
   Toll Free: 1-877-FACTACT (1-877-322-8228)
3. Request your Credit Report by Mail
   Request your credit report by mail by filling out the request form located on the following website: https://www.annualcreditreport.com/manualRequestForm.action  and mail it to:
   Annual Credit Report Request Service
   P.O. Box 105281
   Atlanta, GA 30348-5281

Prevent Identity Theft:

Monitoring and periodically reviewing your credit report is an effective tool in fighting identity theft. If you have questions or concerns about the safety of your identity, feel free to contact any of the following credit reporting agencies:

• Equifax: 1-800-525-6285
• Experian: 1-888-397-3742
• Trans Union: 1-800-680-7289
• Social Security Administration Fraud Line: 1-800-269-0271