Romeoville Banking | Abri Credit Union

From the only source authorized by Federal law

The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Your credit reports matter.

Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application
Reviewing credit reports helps you catch signs of identity theft early.

How do I request my free annual credit report?

You may request your free annual credit report online, via phone or by mail. You do not need to order your credit report from each credit reporting company at the same time and may decide to request the three credit reports at different times throughout the year.

Online:

You can ask for your free annual credit report from https://www.AnnualCreditReport.com. Make sure you are on this site before ordering your report. This is the official site, authorized by the Federal government, for you to get your free reports. You usually can get your report immediately by ordering it online after you have verified your identity through an authentication process.

Phone:

Call 1-877-322-8228
You will go through a verification process over the phone.
Your credit report will be mailed to you within 15 days

Mail:

Download the request form (You need an Adobe viewer to view the requested form. Download the free Adobe viewer)
Print and complete the form
Mail the completed form to:

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, GA 30348-5281