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It is important to review your credit report periodically to ensure that no fraudulent activity has taken place and that all information is accurate. Anyone who has been denied credit, employment, insurance or rental housing based on information on their credit report, or who certify in writing that they suspect their credit report may contain fraudulent information are also able to obtain a credit report at no charge.

How to contact the three Credit Reporting Agencies:
Equifax
Call: 1-800-997-2493
Web: www.equifax.com
Mail: Equifax Information Service Center PO Box 740241 Atlanta, GA 30374-0241

Experian (formerly TRW)
Call: 1-888-397-3742
Web: www.experian.com
Mail: Experian National Consumer Assistance Center PO Box 9595 Allen, TX 75013-0036

TransUnion
Call: 1-800-888-4213
Web: www.transunion.com
Mail: Trans Union LLC Consumer Disclosure Center Springfield, PA 19064-0390

The FACT Act makes it possible for everyone to receive a free credit report each year in an effort to prevent or minimize the effects of fraud and identity theft. To get your free annual credit report you must contact the Central Source as established by the three major credit reporting agencies. You may contact the Central Source by calling, toll free, 877-322-8228 or 877- FACT ACT, or you may click this link: www.annualcreditreport.com.

Spirit of Alaska FCU has partnered with Equifax to offer members the opportunity to check their credit report online. For a nominal fee you may choose the credit reporting service that best meets your individual needs. To access the secure Equifax website and access your credit report online simply click here.