The FACT Act (Fair and Accurate Credit Transactions Act) gives all Americans the right to check their credit report annually – for free. You may now request your free credit report from each of the three major credit bureaus: Equifax, Experian and TransUnion.
How To Request Your Free Credit Report
- Online at annualcreditreport.com
- By calling toll-free 1-877-322-8228
- Mail your request 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 discrepancies to the credit bureau.
Guard Against Identity Theft
Thinking about opening an account with Heritage Bank? Now would be a good time to check your credit report. It is recommended that you check your credit report at least annually. Victims of identity theft often don’t know they are victims until their credit report reveals that someone else used their personal information to open accounts.