How do I obtain a free credit report?

isions FCU does not offer credit reports to our members, but we can help to point you in the right direction. The government now offers a free credit report once every 12 months. Call 877-322-8228, the central source to order the free annual credit report, or you may request the report online. provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).

Credit scores are not provided for free, however, each credit reporting agency's website does offer the option to request credit scores for a small fee.

You may also contact the three major bureaus directly:

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