Credit monitoring is a valued, desirable security service for Credit Union members. Many members use free annual credit reports as a means of monitoring their credit in an effort to detect fraud, and it works!
The FACT Act allows all consumers the right to obtain one free credit report from each of the three credit reporting agencies once a year.
This means you can obtain a free copy of your credit report every four months, if you keep track of which credit bureau you select. For example, select Experian in January, Equifax in May, and Trans Union in October. You can repeat this pattern each year.
Be sure to use the annualcreditreport.com website as it is the only site that is government approved and truly free.