Your Credit Report
Access to your free credit report ...
Are you working to re-establish your credit? Have you been a victim of identity theft? Or are you just interested in knowing your credit history? Now you can obtain your credit bureau report online - for free.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months.
How to order:
- Order online at the official government website - www.annualcreditreport.com
- Or call toll-free 877-322-8228
Information contained on your credit report:
- Open and closed accounts
- Balances and limits
- Who's inquired about you lately
- On time and late payments
- Current and former addresses
- Employment history
- Public records, bankruptcies, judgments
- Items under investigation
- Consumer statement (your comments regarding disputed items)
Why you should monitor your credit report:
- Make sure the information contained in the report is accurate before you apply for a loan
- Guard against identity theft - someone using your personal information, such as your name, Social Security Number, or credit card number, to commit fraud.
Tips for ordering your free credit reports:
- You can order one free report from each of the 3 consumer reporting companies (Equifax, Experian, TransUnion) every four months. If you stagger your requests during a 12-month period (i.e., one report every 4 months), you can keep a close eye on your information throughout the year.
- Beware of "imposter" websites. Only one website is authorized to fill orders for the free annual credit report you are entitled to under the law. That website is www.annualcreditreport.com. Only use this website and avoid others that appear to offer "free" reports.
Additional resources:
- How to Review Your Credit Report and Correct It When Necessary
A StraightTalk® report from Remar Sutton - How to Request Your Free Credit Report
A StraightTalk report from Remar Sutton - Frequently Asked Questions
Provided by AnnualCreditReport.com - Your Access to Free Credit Reports
Facts for Consumers provided by the Federal Trade Commission
When you click on a link to a third party website, you will leave our website. Corning Credit
Union has no responsibility for or control over the content of those websites. Corning Credit
Union cannot ensure that the content of those websites will remain accurate and secure.
