Your Credit

The Federal Fair Credit Reporting Act requires every nationwide credit reporting company to provide you one free report every 12 months upon request. See AnnualCreditReport.com. Below you will find contact information for each of the three major credit reporting agencies.

TransUnion
Experian
Equifax

Tips for Solving Credit Problems:

• Accurate negative information can stay on your report for seven years. A bankruptcy can stay on your report for 10 years.
• If you are contesting a credit report, bill or credit denial, write to the appropriate company and send it "return receipt requested".
• Always include your name, account number, dollar amount in question, and the reason you believe the bill is wrong.
• Keep all of your original documents; send copies only with your written letter.

Learn how to safeguard your personal and financial records from fraud and identity theft with Identity Theft Coach.

Each year, millions of Americans discover that someone has fraudulently assumed their identity. A criminal using a stolen social security number or other personal information can quickly run up thousands of dollars in purchases before a victim becomes aware that their identity has been stolen.

Identity theft has become the fastest-growing crime in America, a crime which usually leaves victims with the responsibility of cleaning up a web of phony purchases, bogus accounts and damaged credit ratings.

Protective Tips When Identity Theft Risk is Elevated

To Help Protect Minors

If you are concerned about potential identity theft for your child or children under 18 years of age, you can use this form to send a letter to the three primary credit bureaus. (You will need to input your information three times, since the form creates letters to all three bureaus.)

Letter to Credit Bureaus for Minor Children

If you think you are a victim, stop into any branch or call us at 802-879-8795 or 800-400-8790 option 6.