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Franklin Mint Federal Credit Union

Credit Score Basics

January 1, 2021

Through the Fair and Accurate Credit Transactions (FACT) Act, each of the three national credit reporting agencies (aka credit bureaus) are required to provide a free copy of your credit report once every year, by request. Review your credit report annually to:

  • Manage debt and qualify for the best rates and terms on loans and mortgages.
  • Protect against identity theft by keeping aware of unauthorized changes to your credit record.
  • Keep informed of credit standing and correct errors that can cause application rejections or high interest rates.

For consumer convenience, the three credit bureaus – Equifax, Experian, and TransUnion – have established one central service from which you can order a free credit report copy. There are several ways to access this service:

  1. Online at annualcreditreport.com
  2. By telephone at 1-877-322-8228 (toll-free).
  3. Complete an Annual Credit Report Request Form (obtained online or by phone) forwarded to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

THIS NOTICE IS REQUIRED BY LAW.

Read more at FTC.GOV.

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

Here are some helpful tips to consider when ordering your free report:

  • You are not obligated to accept offers for other credit services when ordering your report.
  • Request that only the last four digits of your Social Security number be listed on your report for security purposes.
  • Space out orders for free reports from the three different agencies as a better method for identifying potential identity theft.
  • You will not get your credit score in the report.

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