Credit reports contain information about your bill payment history, loans, current debt, and other financial information.

Credit reports help lenders decide whether or not to extend you credit or approve a loan, and determine what interest rate they will charge you. Prospective employers, insurers, and rental property owners may also look at your credit report.

It's important to check your credit report regularly to ensure that your personal information and financial accounts are being accurately reported and that no fraudulent accounts have been opened in your name (identity theft). If you find errors on your credit report, take steps to have them corrected.

FREE Credit Reports

Federal law mandates that each consumer is entitled to a free credit report from each of the three credit reporting agencies (Equifax, Experian, and TransUnion) once every 12 months. You can request all three reports at once, or space them out throughout the year. Note that AnnualCreditReport.com is the only site authorized for the free annual credit report you are entitled to by law.

Request your free credit report:

• Online: Annual Credit Report Website
• By Phone: Call 1-877-322-8228

Reporting Identity Theft

If someone has used your identity to establish credit, please contact us at East County Schools Federal Credit Union at (619) 588-1515 and contact each of the consumer reporting agencies listed below to report the incident:

• TransUnion - 800-680-7289
• Equifax - 800-525-6285
• Experian - 888-397-3742