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How to get your free annual credit report:
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. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies’ one at a time. You should not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through AnnualCreditReport.com.
Online: www.annualcreditreport.com
By Phone: 1-877-322-8228
By Mail:
Annual Credit Report Request Services
PO Box 105281
Atlanta, GA 30348-5281
Consumers can request additional copies of their credit report throughout
the same year, however fee’s could be incurred. Also to note: each
consumer will receive one free credit report a year, however to obtain your
credit score some fee’s may apply.
When to Check your Credit Report
It's wise to check your credit report for accuracy before obtaining a credit card, auto or mortgage loan. At minimum, check your credit report annually. Errors on a credit report might hurt your chances of obtaining a loan at the best terms. Errors can be reported to the three credit bureaus.
Report a Fraud Here
Direct Dispute Form (for Union Bank & Trust accounts only)
Please note: Only incorrect information can be removed from your credit record. No one can remove legitimate items. Credit Bureaus are required to resolve problems in a reasonable amount of time, generally 30 days.
Beware of individuals who promise to “fix your credit history” – otherwise known as “credit doctors”
- A quick fix isn’t the best fix. The only thing that can repair a credit report is time and a positive payment history.
- Some credit repair scams are illegal. “Credit doctors” guarantee a whole new and perfect credit record. In most cases, they’ll give you a social security number that belongs to someone who has good credit. This is fraudulent and will only make your problems worse.
- Know who you are dealing with, and if it seems too good to be true, it probably is.
Steps you can take to rebuild your credit report:
- Always pay your creditors on time – start now! A positive payment history is one of the most important factors lenders evaluate when you apply for a loan.
- Consider if you might need professional counseling that will help you set up a budget, get you back on your feet financially and show you how to establish a good credit record. For help, call the Consumer Credit Counseling Service at 800-388-2227.
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