Credit Reports and Reviews

The right to access your report.

If you have been denied credit, a loan, insurance, or employment because of information on your credit report, the company that turned you down is required to inform you of that reason, and provide the name of the bureau they used (Experian, TransUnion or Equifax). You are also entitled to a free copy of your credit report within 60 days of being turned down.

How to obtain a FREE copy of your credit report.

The 3 major credit bureaus have established one central website, telephone number and mailing address to use for ordering your free report. The credit bureaus will only provide free credit reports annually through this central location, and not through their individual websites, telephone numbers or addresses. If you request the report online, you will be able to view it immediately. Requests via telephone or mail will take approximately 15 days for processing. Visit, call 877-322-8228 or mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 to get your copy.

You may also receive a free copy of your credit report from each of the three bureaus at any time if you are unemployed, on public assistance, or if your report is inaccurate due to fraud.

P.O. Box 2104
Allen, TX 75013-2104
P.O. Box 390
Springfield, PA 19064-0390
800-680-7289 (fraud)
P.O. Box 105783
Atlanta, GA 30348
888-766-0008 (fraud)

Through our partnership with the BALANCESM Financial Fitness Program, our members can have a free, confidential review of their credit report. Most members who review their credit report with BALANCE will experience an average 36 point increase in their credit scores over the 6-12 months following the review. Click here to learn more.


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National Credit Union Administration, a U.S. Government Agency

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