With the recent Equifax data breach, it’s more important than ever to regularly check your credit and banking consumer reports , and there’s no need to pay a monthly fee for a credit monitoring service when they are all available for free
Major CREDIT/BANKING reports:
- https://www.AnnualCreditReport.com - official site created by FACTA to obtain the three credit bureau reports for free once a year.
- ChexSystems: https://www.consumerdebit.com/consumerinfo/us/en/index.htm
- Early Warning: http://www.earlywarning.com
If you wish to obtain consumer report information, please contact our Consumer Call Center at 800-325-7775 (or download this form).
- Experian: https://www.experian.com/consumer/cac/InvalidateSession.do?code=CDIDEC
- TransUnion: https://annualcreditreport.transunion.com/tu/dispute/order.jsp?package=DisputeDisclosure
- Equifax: https://www.equifax.com/personal/
- Innovis: https://www.innovis.com/personal/creditReport
- ARS (Advanced Resolution Services) and SageStream (formerly IDA - ID Analytics): DoC article
Free credit monitoring:
- FreeCreditScore.com - a part of Experian, provides Experian report and FICO Score 8. An updated report and score can be pulled as often as every 30 days.
- CreditKarma.com - free weekly TransUnion and Equifax reports with Vantage Score 3.0 for each.
- CreditWise.CapitalOne.com - free for everyone from Capital One. Uses the same login for existing Capital One customers. Provides a full TransUnion report and VantageScore 3.0. An update can be pulled as often as once a week.
Free locking / unlocking: (Locking vs Freezing according to TransUnion)