Free Credit Report

Your credit report can affect your ability to purchase a home, rent an apartment, buy a car, receive favorable insurance rates, or even get a new job. Checking your credit report regularly is a crucial step in protecting yourself from fraud or inaccurate reporting.

We urge all members to obtain the yearly credit report they are entitled to in accordance with the Fair and Accurate Credit Transactions Act (FACT Act). provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. is the only source authorized by the Federal Trade Commission for this purpose.

You can also order your free annual credit report by calling 877-322-8228, or by completing the Annual Report Request Form and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

THIS NOTICE IS REQUIRED BY LAW. You have the right to a free credit report from or 877-322-8228, the ONLY authorized source under federal law.

The Federal Trade Commission advises consumers who order their free annual credit reports online to be sure to correctly spell “,” or link to it from EdiFi CU’s website to avoid being misdirected to other websites that offer supposedly free annual credit reports, but only with the purchase of other products. While consumers may be offered additional products or services while on the authorized website, they are not required to make a purchase to receive their free annual credit report. Read more at FTC.GOV.