Credit Reports and Credit Scores

Make sure to safely access your credit report and credit score from a trusted source.

Now through April 2021, the three major credit bureaus — Experian, Equifax and TransUnion — will allow you to get a free copy of your credit report online, once a week at annualcreditreport.com.

How to get a free credit report

One of the easiest and safest ways to get your free credit report is by visiting annualcreditreport.com, a partnership between the three major credit reporting agencies authorized by federal law. You have the right to receive a free credit report from each of the three major credit bureaus — Experian, Equifax and TransUnion.

You’re also entitled to a free copy of your credit report if:

  • You have been turned down for a loan.
  • You're a victim of identity theft.
  • You are unemployed and job hunting.

On the annualcreditreport.com site, you'll be asked to complete a request form, choose which reports you want, and verify your information for security.   

You can also access copies of your report through the Experian, myTransUnion or Equifax Lock & Alert mobile apps. If you’re not using Wi-Fi, data charges may apply. Contact your service provider for details.

What other ways can I get a free copy of my credit report?

Call annualcreditreport.com at 877.322.8228 to request a paper copy of your report. You will need to provide your name, address, Social Security number and date of birth to verify your identity.

Or you can call each credit reporting agency directly:

A free copy of your credit report is also available by mail. Simply download and complete the Annual Credit Report Request Form. Mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

How to access your credit score for free

Many credit card companies, financial institutions and personal finance manager apps provide your credit score for free. FICO®​ (Fair Isaac Corporation) and TransUnion VantageScore® are two companies that calculate credit scores and provide them to lenders.

LGFCU uses the FICO scoring system. Members who have a loan with the Credit Union or an active LGFCU Visa® Credit Card can see their FICO credit score for free in Member Connect. The Credit Union receives FICO scores from Equifax on a quarterly basis.

The free credit reports from the three major credit bureaus don’t include credit scores.

Should I pay for my credit score?

If you’ve had trouble managing credit in the past and think your low credit score could affect your chances of getting a loan, you may want to buy a copy of your most recent credit score. You also have an option to add your score to your credit report at the time you order it from each credit bureau. MyFICO.com is another source to purchase your credit score.

Next Steps