Reviewing your reports regularly can also help you catch inaccurate information or activity you don’t recognize.
The good news? You can review your credit reports from Equifax, Experian and TransUnion for free.
AnnualCreditReport.com is the authorized website for requesting the free credit reports you’re entitled to by law.
The three nationwide credit bureaus—Equifax, Experian and TransUnion—currently allow consumers to review their credit reports online once a week at no cost through AnnualCreditReport.com.
You will be leaving Latah Credit Union’s website and visiting AnnualCreditReport.com.
Think of your credit report as a snapshot of your credit history. Taking a few minutes to review it can help you:
Check for accuracy. Make sure your name, addresses, accounts, balances and payment information look correct.
Spot unfamiliar activity. An account you don’t recognize could be a simple error—or something that deserves a closer look.
Prepare before borrowing. Reviewing your report before applying for an auto loan, home loan or other credit gives you a chance to identify potential issues ahead of time.
Better understand your credit. Knowing what appears on your reports can help you make more informed financial decisions.
Call 1-877-322-8228
Complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
When requesting your reports online, make sure you are visiting AnnualCreditReport.com.
Other websites may advertise “free” credit reports, scores or monitoring services but require enrollment in a paid product or subscription. AnnualCreditReport.com is the authorized website for obtaining the free credit reports provided for under federal law.
No.
Requesting and reviewing your own credit report does not hurt your credit score. It is considered a review of your own information rather than an application for new credit.
No—and this is an important distinction.
Your credit report is a record of information about your credit history. It may include accounts you have opened, balances, payment history, inquiries and certain public-record information.
Your credit score is a number calculated using information in your credit history. Lenders may use different scoring models, so you can have more than one credit score.
AnnualCreditReport.com gives you access to your credit reports. Your free report does not necessarily include a free credit score.
When you receive your reports, review each one carefully. Information can vary from one credit bureau to another.
Pay particular attention to:
If something doesn’t look right, follow the dispute instructions provided by the credit bureau reporting the information.
There isn’t one schedule that works for everyone. Checking periodically can make it easier to recognize changes and catch potential problems.
You may especially want to review your reports:
Because free online reports are currently available weekly, you can check more frequently when you have a reason to keep a closer eye on your credit.
Whether you’re checking your credit, planning your next vehicle purchase, thinking about buying a home or simply working toward a financial goal, understanding where you stand is a good place to start.
And when you’re ready to talk through your next financial step, Latah Credit Union is here to help!
Reviewing your reports regularly can also help you catch inaccurate information or activity you don’t recognize.
The good news? You can review your credit reports from Equifax, Experian and TransUnion for free.
AnnualCreditReport.com is the authorized website for requesting the free credit reports you’re entitled to by law.
The three nationwide credit bureaus—Equifax, Experian and TransUnion—currently allow consumers to review their credit reports online once a week at no cost through AnnualCreditReport.com.
You will be leaving Latah Credit Union’s website and visiting AnnualCreditReport.com.
Think of your credit report as a snapshot of your credit history. Taking a few minutes to review it can help you:
Check for accuracy. Make sure your name, addresses, accounts, balances and payment information look correct.
Spot unfamiliar activity. An account you don’t recognize could be a simple error—or something that deserves a closer look.
Prepare before borrowing. Reviewing your report before applying for an auto loan, home loan or other credit gives you a chance to identify potential issues ahead of time.
Better understand your credit. Knowing what appears on your reports can help you make more informed financial decisions.
Call 1-877-322-8228
Complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
When requesting your reports online, make sure you are visiting AnnualCreditReport.com.
Other websites may advertise “free” credit reports, scores or monitoring services but require enrollment in a paid product or subscription. AnnualCreditReport.com is the authorized website for obtaining the free credit reports provided for under federal law.
No.
Requesting and reviewing your own credit report does not hurt your credit score. It is considered a review of your own information rather than an application for new credit.
No—and this is an important distinction.
Your credit report is a record of information about your credit history. It may include accounts you have opened, balances, payment history, inquiries and certain public-record information.
Your credit score is a number calculated using information in your credit history. Lenders may use different scoring models, so you can have more than one credit score.
AnnualCreditReport.com gives you access to your credit reports. Your free report does not necessarily include a free credit score.
When you receive your reports, review each one carefully. Information can vary from one credit bureau to another.
Pay particular attention to:
If something doesn’t look right, follow the dispute instructions provided by the credit bureau reporting the information.
There isn’t one schedule that works for everyone. Checking periodically can make it easier to recognize changes and catch potential problems.
You may especially want to review your reports:
Because free online reports are currently available weekly, you can check more frequently when you have a reason to keep a closer eye on your credit.
Whether you’re checking your credit, planning your next vehicle purchase, thinking about buying a home or simply working toward a financial goal, understanding where you stand is a good place to start.
And when you’re ready to talk through your next financial step, Latah Credit Union is here to help!
To apply, please submit your resume to info@latahcu.coop
