Credit Reports

It is important to monitor your credit report regularly to check it for accuracy. An inaccurate credit report can hurt your chances of getting loans, and can increase your payments when you do obtain loans.

How do I obtain my credit report?

There are three major credit bureaus, Equifax, TransUnion, and Experian. These bureaus acquire credit data from creditors such as lenders, credit card companies and retail establishments. They also search court records for lawsuits, judgments and bankruptcy filings.

Under the FACT Act, you are entitled to one free credit report per year. To obtain your free report do one of the following:

• www.annualcreditreport.com
• Call: 1.877.322.8228
• Send requests to:
  Annual Credit Report Request Service
  P.O. Box 105281
  Atlanta, GA 30348-5281