Member Services » Credit Reports
Credit Reports
Consumers everywhere are routinely accessing their credit reports as part of their overall financial management. Some keep track of open lines of credit, credit limits, and rates, while others review credit reports to safeguard against identity fraud. In any case, the growing demand for credit reports has resulted in more report options for you.
As your financial partner, UW Credit Union would like to advise you of your options, and certain items you'll want to consider to help you get exactly what you need.
What is a Credit Score?
Your credit score is a numeric representation of your creditworthiness. Numerical weights are placed on different aspects of your credit report, and a mathematical formula is used to arrive at a final score. Credit scores are one of the primary tools a creditor uses when determining whether to lend money to you and at what interest rate.
Credit Report Options
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Consumers can request one free credit report from each of the three credit reporting agencies every 12 months. Each agency could have different information, so you may want to stagger your requests from each agency during a 12-month period. Submit your request online or call 877-322-8228.
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A single report showing side-by-side information from all three credit bureaus.
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A single report, credit score and debt analysis from TransUnion. Fee applies.
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Immediate notification of report changes, weekly email fraud alerts, quarterly access to credit report, and ID theft insurance. Also includes your credit score and debt analysis. Cost applies.
You can also receive a free monthly newsletter from TransUnion with tips for improving your credit, discounts on reports, and more.
Need Help Deciding?
Ask yourself these questions:
- Do you want to receive your credit report more than once a year? Quarterly?
- Do you want to be notified via email anytime your credit record is updated?
- Do you want information from more than one credit bureau? Note: The three major credit bureaus do not share information, so each of your records could reflect different information.
- Are you at high risk of identity fraud? (Have you lost your wallet recently? Suffered from identity fraud in the past? Has your mail been intercepted?) See Identity Fraud Tips for information and advice.
If you answered "yes" to 1 or 2, you'll probably want the Credit Monitoring service. If you answered "yes" to 3 or 4, you'll likely prefer the 3-in-1 Credit Report or the ID-Fraud Watch option. Otherwise, the single credit report option should meet your needs.
Information You'll Need to Order Your Credit Report
Ordering your credit report is simple, private, and secure using the sidebar link. Before you place your request, you'll need to gather the following information:
- Social Security number
- Date of birth
- Current address
- Previous address (if you have moved within the past two years)
- One of your credit card numbers and its credit limit
- Mortgage account number, if you have a mortgage
- Installment loan account number, if you have an installment loan (e.g., student, auto, personal loan)
Credit Bureau Contact Information
Equifax
Order Report: 800-685-1111
Report Fraud: 888-766-0008
Equifax Credit Information Services, Inc.
P.O. Box 105069
Atlanta, GA 30374
www.equifax.com
Experian
Order Report: 888-524-3606 or 888-EXPERIAN
Report Fraud: 888-397-3742
P.O. Box 2104
Allen, TX 75013-2104
www.experian.com
TransUnion Corporation
Order Report: 800-888-4213
Report Fraud: 800-680-7289
TransUnion LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
www.tuc.com
