You can continue to get three free credit reports weekly until the end of 2022 amid economic uncertainty and the ongoing COVID-19 pandemic.
The companies' CEOs provided a joint statement on the decision to increase their offerings for the next year.
"We are committed to helping consumers to strengthen their credit and secure their financial future," said CEOs Mark W. Begor, Equifax; Brian Cassin, Experian; and Chris Cartwright, TransUnion. "The combined pressures of job changes, inflation, market uncertainty and health anxiety continue to present consumers with enormous challenges. Our industry’s hope is to support consumers as they make decisions — big and small — by making it easier to regularly track their financial health."
As some lenders are working with consumers to make changes to their payment amounts or due dates, it's helpful to monitor your credit report more often. You can make sure your lender reports your accounts as current, in keeping with the agreed upon payment arrangement.
Even if you have not made new payment arrangements with lenders, you still want to look at your report to check for errors or fraudulent activity. If you do find an error, frequent checking allows you to correct mistakes faster.
Get a credit report by phone or by mail
If you don’t have online access, there are other ways to get your credit report. Call 877.322.8228 to request a paper copy. If you prefer to request your report by mail, print and complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Whether by phone or mail, your credit report is mailed within 15 days.
There’s also information about requesting reports in special situations such as those related to guardianship, children under 13, or for those who have a visual or hearing impairment.
LGFCU is also ready to help you monitor your finances
While the credit bureaus help you stay up to date on your credit history, LGFCU is committed to helping you do the same with your credit score. Learn more about how your credit score affects your finances and what you can do to protect it.