Financial Resources & Tools

Credit Reports

Credit Reports

You have the right to a free credit report from or 1-877-322-8228, the ONLY authorized source under federal law.

Your credit report can affect more areas of your life than just your ability to get a loan or credit card. Businesses can use the information contained in your credit report to evaluate your application for credit, insurance and employment. Credit reports can contain information on your employment, your residence and your bill payment habits. Also, they may show whether you have had a civil judgment filed or may have filed for bankruptcy. Also found in your credit report is your credit score. A credit score is a number that reflects all of the information found in a credit report. Consumers who have higher credit scores generally will get more favorable credit terms while not having a credit score can affect whether you can get a loan and how much you will have to pay for that loan. Your credit score can change, depending on how your credit history changes. Maintaining a good credit history and credit score is important and requires just a little bit of work.

The first step to maintaining a good credit history is to review your credit report regularly for inaccuracies or omissions. Consumers are able to obtain an annual free credit report online by accessing You can order one free credit report from each of the three nationwide consumer reporting companies per year. You can order your free reports at the same time, or stagger your requests over the course of the year. If you find any mistakes on your credit report, you can dispute any inaccurate information by contacting the consumer reporting agency. To obtain your reports for free you must use the link or you may be assessed a fee.

To order additional reports throughout the year and you can order them by clicking on one of the credit reporting agencies’ links listed below. Credit scores or credit monitoring services are also available. Applicable charges will apply by ordering through one of the links listed below. For more information on credit reports, contact the Consumer Financial Protection Bureau at (855) 411-CFPB (2372). 

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Atlanta, GA 30374-0123

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Allen, TX 75013

Trans Union
PO Box 505
Woodlyn, PA 19094