Member Services » 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.
View Your Credit Score for Free in Web Branch
Use My Credit Score, a free tool that provides access to your credit score through Web Branch.
Learn more about My Credit Score »
Credit Report Options
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.
A single report showing side-by-side information from all three credit bureaus.
A single report, credit score and debt analysis from TransUnion. Fee applies.
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
To order a report or to report fraud, visit the following websites: