Annual Credit Report
Know Your Credit.
Keep Track of Your Credit
Keeping track of your credit is an important part of protecting your financial health. Campus Credit Union encourages members to review their credit reports regularly and use the official AnnualCreditReport.com website to access their reports.
Official Source
Three Major Bureaus
Current Information
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Why Checking Your Credit Matters
Reviewing your credit reports can help you spot potential identity theft, catch inaccurate information, and stay prepared before applying for a loan, mortgage, or other major credit product.
What You Can Review
Credit reports can include information about your loans, credit cards, payment history, balances, and other credit activity reported to the nationwide credit reporting companies.
Since not all businesses report to all three companies, the information on your reports may vary.
Good Reasons to Check Regularly
- Catch suspicious activity or accounts you do not recognize.
- Review reported balances, payment history, and other credit details.
- Identify possible errors before they affect a future application.
- Stay better prepared for borrowing decisions.
How to Get Your Credit Reports
Step 1
Visit the Official Site
Visit AnnualCreditReport.com, the official site for free credit reports.
Step 2
Verify Your Identity
To verify your identity on AnnualCreditReport.com, you provide personal information and answer security questions based on your credit history.
Step 3
Review for Accuracy
Look over the information carefully and follow the appropriate dispute process if something appears inaccurate.
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If You Find an Error
AnnualCreditReport.com explains that federal law allows you to dispute inaccurate information on your credit report, and that there is no fee for filing a dispute.
You may be able to dispute the information with the business that supplied it, the credit reporting company, or both.
Ready to Finance What's Next?
Whether you're financing a vehicle, purchasing a home, or borrowing for life's next opportunity, Campus Credit Union is here to help you borrow with confidence.