GET YOUR FREE CREDIT REPORT
Reviewing your Credit Report has become easier, thanks to implementation of the Fair and Accurate Credit Transactions Act, or FACT Act. Federal law now entitles US citizens to receive a free credit report once every 12 months.
The three nationwide consumer reporting companies (Equifax, Experian, and TransUnion) have set up one central Web site, toll-free telephone number, and mailing address through which you can order your free report. You can order one of three ways:
Do not contact the three reporting companies individually. They are providing the free Credit Reports only at the contacts shown above.
The law allows you to order one free copy from each of the companies every 12 months. You may order your reports from each of the three nationwide reporting companies at the same time, or you may order from one or two. The most effective way to keep your credit report error-free and up-to-date is to monitor the information they have. Now you can do it free, every year.
WHY IS THIS IMPORTANT TO USE?
CLOSE YOUR UNUSED CREDIT CARDS CORRECTLY!
The listing of unused credit cards can lower your credit score. Check for unused cards when you get your credit report, and close them properly:
If you have any questions regarding your credit report or the information on your report please call any one of our loan officers at 952.758.4491.