Requesting Your Credit Report

Under the Fair and Accurate Credit Transactions Act (FACT Act), consumers have the right to obtain a free copy of their credit report once every 12 months from each of the three nationwide consumer credit reporting companies:  Equifax, TranUnion, and Experian.  These reporting agencies have created AnnualCreditReport.com, a centralized service for consumers to request their free credit reports.  The site offers a quick and secure way to request, view, and print your credit report.

IECU strongly encourages members to check their credit reports on a regular basis. Regular monitoring of your credit report will allow you to verify that all of the information is accurate and that all accounts in your name are rightfully yours.  If you discover any incorrect information or an account that you did not open, it’s important to notify the credit reporting companies as soon as possible.

You may choose to request your credit report from one reporting agency every few months, allowing you to check your report periodically throughout the year, or you may request all three reports at the same time.  Requesting a copy of your credit report will not negatively affect your credit score.

To request your credit report on AnnualCreditReport.com, you will be asked to provide your name, date of birth, Social Security Number, and address information.  You can then pick which report(s) you would like to request, and you will be able to review the information and print it for your records.  You may also request your credit report by phone or by mail.  Additional information can be found on AnnualCreditReport.com.

Be sure to access AnnualCreditReport.com by clicking on the link above, or type the address directly into your Internet browser to be certain you are on the right website.

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