Credit Reports

Know your credit history

Your credit report contains facts about where you work, live, how you pay your bills, and other credit-related information. You want to be sure your report is complete and accurate because businesses use it to evaluate your applications for credit, insurance, employment and other purposes.

Major nationwide credit bureaus

Your credit report is maintained by nationwide credit bureaus. These include:

• Experian°
• Equifax°
• TransUnion°

The law requires each bureau to provide you with a free copy of your credit report once every 12 months if you request it. (For loan decisions, Lake Trust uses Experian as its primary credit bureau.)

Order your free credit report

You can request your free credit report in two ways:

• Call 877.322.8228
• Get it online at www.annualcreditreport.com°

You should use your credit score as an estimate only because the score can change often. If you believe your credit report is inaccurate, you can dispute it online for fastest resolution. If you've been denied credit, you may qualify for a free credit report.

More information is available online from the Federal Trade Commission°

Protect your credit

Reduce the risk of identity theft

Rebuild your credit

Sensible steps for credit repair

°Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.