Credit Reporting by Annual Credit

Consumers are entitled to a free credit report every 12 months from the three credit reporting bureaus. You may use the link below to request all three at once if you wish to compare them for accuracy or you may request one from a different bureau every four months to spread your reports throughout the year and monitor your record for changes.

Your Credit Score: A credit score is a complex mathematical model that evaluates many types of information in a credit file. It is not part of your credit record but may be purchased through

About The three nationwide consumer credit reporting companies, Equifax, Experian and TransUnion, have always encouraged consumers to regularly review their credit reports. offers consumers a fast and convenient way to request, view and print their credit reports in a secure Internet environment. processes requests for free credit file disclosures (commonly called credit reports). Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. provides consumers with the secure means to do so. is the only service authorized by Equifax, Experian and TransUnion for this purpose. Please note that, as a security precaution, consumers should never provide their personal information to any other company or person in connection with requesting free annual credit reports under the FACT Act. will not approach consumers via email, telemarketing or direct mail solicitations.


*Go to

Indicate your state of residence

Complete the online request form

Indicate which credit reporting bureau you would like a report from. (You may request all three at once or select a different credit bureau every four months to spread your requests throughout the year.)

*The links provided on this site are for your convenience. This in no way implies an endorsement by the credit union. The links will take you to other web sites, which may or may not be secure. The credit union does not operate these web sites and is not responsible for their content, security or privacy. Any issue arising from content, the use of transactions with or inability to access these sites, should be directed to the actual site owner.

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