Free Credit Reports

The Fair and Accurate Credit Transactions Act (FACTA) now requires the three nationwide consumer reporting agencies--Equifax, Experian, and TransUnion—to provide consumers with a free copy of their credit report every year. 

The official web site where you can request the free reports is or you may call toll free 1-877-322-8228 or mail a request form to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. 

Please note that Mutual Security Credit Union uses Transunion for credit decisions. 

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