Credit Report

Having credit is not essential to your financial success.
It’s a tool to use on your financial journey.

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Learn what’s impacting your score.

How It Works
See your credit information

Your Credit Report captures financial information that lenders use to determine your creditworthiness. Know where you stand and what effects your credit score when it comes to your financial health.

Credit Monitoring

Get alerts when changes occur on your credit. Monitoring is your first line of defense against identity theft and fraud. The sooner you know, the better you can defend your score.

Monthly Updates

The information on your Credit Report is frequently updated. Receive an updated Credit Report every 30 days to monitor potentially negative items, such as collections.

Get Your Credit Report Today

What’s your FICO® Score?
90% of top lenders use FICO® Scores

About the Credit Report
 

Your credit report provides lenders and others with information about how you make payments on current and past accounts, and if accounts are in good standing. The information helps determine the terms creditors offer you.

Creditors generally update information on a monthly basis, but this can vary. Monthly monitoring of your credit account helps you stay on top of information submitted and dispute any misinformation.

Under federal law you are entitled to a free copy of your credit report from all three credit reporting agencies – Experian, Equifax® and TransUnion® – once every 12 months.

To get your annual credit report online, visit

  • Experian – Check Your FICO® Score
  • TransUnion® https://www.transunion.com/annual-credit-report
  • EquiFax® https://www.equifax.com/personal/credit-report-services/free-credit-reports/

Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Learn More

About the Credit Report

Your credit report provides lenders and others with information about how you make payments on current and past accounts, and if accounts are in good standing. The information helps determine the terms creditors offer you.

Creditors generally update information on a monthly basis, but this can vary. Monthly monitoring of your credit account helps you stay on top of information submitted and dispute any misinformation.

Under federal law you are entitled to a free copy of your credit report from all three credit reporting agencies – Experian, Equifax® and TransUnion® – once every 12 months.

To get your annual credit report online, visit

  • Experian – Check Your FICO® Score
  • TransUnion® https://www.transunion.com/annual-credit-report
  • EquiFax® https://www.equifax.com/personal/credit-report-services/free-credit-reports/

Why should I check my credit report?

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  • Before making a big decision, like buying a car or a house, check your credit score and evaluate your credit history. Now is the time to improve your credit before taking on additional financial obligations that may impact your score.
  • Your overall credit is not affected by checking your credit score. It’s important to monitor often to spot signs of identity theft.
experian credit report

Why should I check my credit report?

green line

  • Before making a big decision, like buying a car or a house, check your credit score and evaluate your credit history. Now is the time to improve your credit before taking on additional financial obligations that may impact your score.
  • Your overall credit is not affected by checking your credit score. It’s important to monitor often to spot signs of identity theft.
Check Your Credit Score and Get Your Credit Report.

Improve your Financial Wellness Because Credit Matters