Information for Consumers
Federal law requires that the credit repositories provide consumers one free copy of their credit report each year. You can access a copy of your credit report from www.annualcreditreport.com.
myFICO, the consumer division of Fair Isaac - the company that invented the FICO® credit risk score that lenders use - offers a 100% Risk-Free 30-day free trial of Score Watch.
Score Watch monitors important changes to your credit file and FICO® score, and:
- Notifies you when you reach your target score or when you qualify for a better interest rate,
- Alerts you when unexpected changes to your credit report cause your FICO® score to drop,
- Provides two Equifax Score Power reports each year.
For more information, please visit myFICO.com.
Credit Repositories
The three major credit repositories can be reached directly at the following locations:
- TransUnion: Visit online at www.transunion.com. To report fraud or suspected identity theft, call (800) 680.7289.
- Experian: Visit online at www.experian.com. To report fraud or suspected identity theft, call (888) 397.3742.
- Equifax: Visit online at www.equifax.com. To report fraud or suspected identity theft, call (888) 766.0008.
view.avantus.com
If you have a Report ID and Key and wish to view a copy of your credit report ordered by your lender, please visit view.avantus.com. If you have a dispute related to any information on a credit report prepared by Avantus and wish to discuss this dispute with an Avantus staff member, please contact (800) 243.0120.