On this page you will find helpful credit resources. To view content, please click the red headlines.
Your Official Credit Report
Your Official Credit Report provides immediate online access to credit reports as well as a free trial offer for credit monitoring services.
Annual Credit Report
This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
PrivacyGuard offers a comprehensive credit and identity theft protection plan.
CreditReporting.com provides 3-bureau credit reports, either with or without credit scores, which are available for immediate online access. They offer a convenient and quick way for consumers to receive full access to their credit information.
Equifax is one of the main credit bureaus as well as a well-respected and established provider of consumer credit services. Equifax provides consumers with a wide range of credit monitoring services. Equifax also offers a plan for consumers who are looking to monitor their credit score, and there are several options for those who simply want to receive access to their credit reports and scores.
TrustedID provides identity theft protection services that prevent thieves from stealing a victim's identity and committing credit fraud, and it offers a $1,000,000 guarantee. TrustedID is the perfect solution for customers whose personal information has already been compromised or who want to protect themselves against credit fraud.
LifeLock offers consumers protection from identity theft and credit fraud. As an alternative to traditional credit monitoring services that alert customers after their credit information has already been compromised, LifeLock blocks access to consumers credit files before thieves are able to access them. They also offer helpful services to your customers such as stopping pre-approved credit offers and providing a smooth experience when trying to obtain new credit.
Identity Guard offers credit monitoring and identity theft prevention services with a wide range of identity theft protection plans available to help your customers secure their personal information, and they also provide access to credit reports and credit scores from the three major credit bureaus.
IdentityTruth provides credit monitoring and identity theft prevention services that can help protect your customers from credit fraud for less than $10 a month with a $2 million guarantee.
Privacy Matters 1-2-3
Give consumers access to their credit report and credit score for free through Privacy Matters 1-2-3. As one of the most popular consumer protection programs in the nation, Privacy Matters 1-2-3 comes with powerful credit management and monitoring tools - making it easy for your customers to keep on top of their personal credit information.
myFICO is a part of the same organization that developed the FICO Score, which is the most widely established measurement of consumer credit that is used by financial institutions and lenders today. myFICO is also a well-respected provider of credit services and information, and they offer a wide range of options including credit report and score monitoring plans as well as several packages for customers that simply want access to their credit reports and scores.
You have the right to receive a copy of your credit report. Each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – is required to provide you with a free copy of your credit report, at your request, once every 12 months.
If a company denies your application, you have the right to the name and address of that credit bureau.
If you question the accuracy or completeness of information in your report, you have the right to file a dispute with the consumer reporting company and the information provider.
You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.
Learn More @ The FTC Web Site
This is the Fair Credit Reporting Act (FRCA) as prepared by the Federal Trade Commission (FTC). It is intended only as a convenience for the public and not a substitute for the text in the U.S. Code.