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Your Credit Report really makes a difference!

If it's been a while since you checked what's contained in your credit report, it makes sense to look it over. Members living in Colorado, Georgia, Massachusetts, Maryland, New Jersey and Vermont, are entitled to one free credit report each year from each of the Credit Reporting Agencies (CRAs). Members in other states who have been denied credit, employment, insurance or rental housing based on information on their credit report, or who certify in writing that they suspect their credit report may contain fraudulent information are also able to obtain a credit report at no charge.

The easiest way to get your free annual credit report(s):

Click on over to AnnualCreditReport.com. All three CRAs are linked from the site. Do not confuse this site with FreeCreditReport.com, which, while it does make it possible to get your credit report free of charge, is primarily a for-profit site that will encourage you to pay for extra services.

How to contact the three Credit Reporting Agencies individually:
(The Credit Union does not guaranty the accuracy of the information provided below. We think it's accurate, but we could be wrong.) Equifax

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Call 1-800-997-2493
Web: www.equifax.com

Mail: Equifax Information Service Center
PO Box 740241
Atlanta, GA 30374-0241
Experian (formerly TRW)

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Call 1-888-397-3742
Web: www.experian.com

Mail: Experian National Consumer Assistance Center
PO Box 9595
Allen, TX 75013-0036
TransUnion

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Call 1-800-888-4213
Web: www.transunion.com

Mail: Trans Union LLC
Consumer Disclosure Center
Springfield, PA 19064-0390