Manage Your Account

Ever wonder what makes the difference between a good interest rate and a great interest rate? Ever wonder who else is looking at your credit? Are you curious about what kind of information is being shared about your spending habits?

There's no longer any need to wonder. You can find out all these things by looking at a copy of your own credit report.

Free Credit Report - NEW!

You may now request a free copy of your credit report! Enacted June 1, 2005, the Federal Fair Credit Reporting Act, requires each of the nationwide consumer reporting companies to provide consumers with a free copy of their credit reports once every 12 months.

The three nationwide consumer-reporting companies have set up one central website and toll-free number through which you can order a free annual credit report. To order, call 877-322-8228 or visit the www.annualcreditreport.com website.

CreditExpert Service from Experian

You can also check your credit by visiting the Experian/CreditExpert website. You will have three options to choose from, depending on the depth of information you wish to access, or you can sign up for an annual subscription to CreditExpert to receive unlimited access to your credit report and enroll in the early warning system for fraud and identity theft.

CreditExpert provides you with the same information a lender reviews when considering a loan or credit request. It also provides daily monitoring of your credit report to notify you of fraudulent activity, new inquiries, new accounts, late payments, and more - all within 24 hours. It may be your best protection against identity theft.

There is a minimal cost to obtain a copy of your credit report. Costs associated with your enrollment in CreditExpert are slightly higher. Whichever your choice, it's one of the best investments you can make toward managing your financial health. After all, no one should know more about you than you do.


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