It's a Good Idea to Check your Credit Report Regularly
When was the last time you saw a copy of your credit report? If it's been more than one year, then it's probably time to take another look. Under a federal law, consumers can order a free credit report from all three of the major credit bureaus - Experian, Equifax, and Trans Union. Through a program set up by the Federal Trade Commission, you can obtain a free copy of each report once a year. If you prefer to do it online, go to annualcreditreport.com. You can also order your free report by phone by calling toll free 1-877-322-8228 or by writing: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can order all three reports at one time or stagger your order over time. Once you get your report, an Accel counselor is available to review the report with you. They will help you understand how to read the report, show you how to dispute inaccurate information, and discuss credit scoring. As a member of Methodist Healthcare FCU, you can take advantage of the Accel program, a free financial education and counseling program. To use this service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at www.accelservices.org |