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Can I get a credit report for free?
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Article Information
Article Information
KBID
2043
Date Created:
12/31/2019
Date Modified:
12/31/2019
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Terms of Use
Credit reports contain a wealth of information about your credit history. Consumers now can get a free copy of their credit report. It's important to review your credit report at least annually to ensure it is accurate and that you have not become a victim of identity fraud.
A study by U.S. Public Interest Research Group found that one in four credit reports contains errors serious enough to cause consumers to be denied credit, a loan, an apartment or or even a job. Some of these errors include personal demographic information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect.
The bottom line is:
CHECK YOUR CREDIT REPORT EACH YEAR!
Quick facts about getting your free credit report:
Each consumer is allowed to get 1 free credit report from Experian, Trans Union and Equifax once every 12 months.
The free credit report
does not
include your credit score.
You are also entitled to a free credit report: if you believe you may be a victim of identity theft, if you have been denied credit, employment, insurance or rental housing in the past 60 days due to your credit score, if you receive welfare benefits, or if you are unemployed. In addition, you are entitled to a free credit report annually on request if you live in Colorado, Georgia (two per year), Maryland, Massachusetts, New Jersey, or Vermont.
Click here
to view a form for requesting a free credit report by mail for any of the aforementioned reasons.
To request your free credit report under the FACT Act, go to
www.annualcreditreport.com
.
If your credit score is below desirable levels, your ability to get loans and credit at favorable rates will be diminished.
Differences of up to 70 points across the three credit bureaus are not uncommon and are typically the result of different information reported in your reports. Since each lender can use a different credit bureau, it is important to check your score with each of the primary 3 primary bureaus:
Equifax
,
TransUnion
, and
Experian
.
A
credit score
(ranging from 300 to 850) is the equivalent to a grade on your credit history report and is used by lenders and credit card companies to determine the likelihood that you will repay your debt on time. The higher your credit score, the lower the assumed risk to lend you money and extend you credit. About 50% of Americans have a credit score of 700+.
While no specific definition of “good” is universally accepted, the general view is that a score of 660+ is considered “prime” or “A” credit.
However, it all depends on the lender and some companies require a score of 720 or higher to get the most favorable interest rates on a mortgage.
All information provided through this site is intended to be accurate. However, there may be inaccuracies at times, which we will make every attempt to correct when found. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.
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Can I get a credit report for free?
https://www.fuzeqna.com/lafinancial/ext/kbdetail.aspx?kbid=2043
Email
Password
Forgot Your Password?
Forgot Your Password?
Email
Email:
Security Question:
Security Answer:
Favorite Color:
WARNING:
If your Security Question and Favorite Color do not match what you entered at registration in LA Financial
DO NOT CONTINUE
and contact us immediately.
Email
Confirm Email
Password
Password not entered
Retype Password
First Name
Last Name
Birthdate
(mm/dd/yyyy)
Company
WARNING:
Password Security Question
Name of High School graduated from
Last name of favorite teacher
Son's middle name
Daughter's middle name
Pet's name
Square footage of home
First girlfriend's/boyfriend's name
What city were you born in?
On what street did you grow up?
What is your mother's maiden name?
What was your high school mascot?
Password Security Answer
Favorite Color
Terms of Use
I agree to the terms of use.
LA Financial Credit Union and Havasu Community Credit Union value your privacy and will protect your information. We will not sell or share your information with anyone outside of LA Financial Credit Union and Havasu Community Credit Union. In addition, when setting up your profile, you will be given the option to opt-in to receiving any promotional information from us via email. We thank you for taking the time to register with us.
Your inquiry is being encrypted to protect your privacy.