Resources
Quick LinkS
- Learn why and how to request a credit freeze.
- Get step-by-step instructions for filing a dispute if information on your credit report is inaccurate or incomplete.
- Understand how to protect your privacy during the loan application process.
Credit Report Access
The federal Fair Credit Reporting Act (FCRA) obligates the three primary credit bureaus to provide you with one free copy of your credit report each year. To obtain this copy visit www.annualcreditreport.com.
Credit Bureaus
The three major credit bureaus provide a wealth of consumer-specific information on credit management as well as consumer credit services such as credit reports, credit report disputes, and security freezes.
Your FICO Score
You can learn more about your FICO Score at www.myfico.com.
Reporting Fraud/Identity Theft
If you believe that you have been the victim of identity theft or other credit-related fraud, you can report the crime to any one of the three major credit bureaus via a toll-free number. (The bureau you contact will notify the other two credit bureaus.)
- Equifax: 888.766.0008
- Experian: 888.397.3742
- TransUnion: 800.680.7289
Consumer RightS
The Fair Credit Reporting Act (FCRA) guarantees you certain credit-related rights including access to your credit file, accuracy of the information in your credit file, and the privacy of your personal credit information. Please visit our FCRA Rights overview page for more information. You can also visit the official Credit and Loans page of the Federal Trade Commission (FTC).
Help Us Help You
If there is information you find very useful and it does not appear in this section, I invite you to go to our Contact Us page and let us know. We would be grateful.