Hertage Bank

The FACT Act (Fair and Accurate Credit Transactions Act) gives all Americans the right to check their credit report annually...for free. You may request your free credit report from each of the three major credit bureaus: Equifax, Experian and TransUnion.

Request your free credit report any of the following ways:

1. Online at www.annualcreditreport.com
2. By calling toll-free 1-877-322-8228
3. Mail your requst to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281

Why is it important to review your credit report?
Your credit report contains important information about your current and past credit and payment history. Negative information in your credit report will lower your credit score, which could affect things such as qualifying for a loan or insurance or even getting a job. When you review your credit report make sure to check for accuracy and report any errors or discrepencies to the credit bureau.

Guard against Identity Theft
It is recommended that you check your credit report at least annually. Victims of identity theft often don't know they're victims until their credit reports reveal the evidence--that someone else used your personal information to open accounts in your name. To learn more about protecting your financial identity, click here.

For more information on accessing your free credit reports, visit the Federal Trade Commission's web site.