Q&A
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r e d f c u.o r g
How can I obtain a free copy of my
credit report and how often?
Consumers can get free credit reports in
two ways.
• You are entitled to a free copy of your
credit report any time you are denied
credit by contacting the appropriate
credit bureau marked on the adverse
action letter.
• You may also obtain a free copy from
each of the three credit reporting
agencies once every 12 months;
however, we recommend staggering
your request by pulling one every four
months to give you a look at your file all
throughout the year. Ex. January – pull
from Equifax, May – pull from Experian
and September – pull from TransUnion.
Visit www.annualcreditreport.com —
the trusted and free website to access
your credit file.
Counseling
Need a "get out of debt" plan or just
need someone to read over your
credit report with you? Redstone
Federal Credit Union's accredited
financial counselors can help.
Call Redstone at (256) 722-3796 to schedule an appointment with an accredited
financial counselor or send your financial questions to aspire@redfcu.org.
Do not email any account or personal identification information.
What type of information
should I look for when I view
my credit report?
Look for these things when reviewing
your report:
• Verify all personal information is correct
• Confirm all debt contained within the
report is valid
• Review old active accounts and
consider closing them
• Review inquiries to assure there is an
affiliation with each creditor/company
You ask – we answer!
Financial
