Make sure that your credit report is accurate and up-to-date with the three national credit reporting agencies. The Fair and Accurate Credit Transactions (FACT) Act allows all Americans the right to their credit report annually—for free!

Order Yours Today
To order your free credit report, click on annualcreditreport.com or call 1-877-322-8228.
You may order reports from each of the three agencies (Transunion, Experian and Equifax) once every 12 months.

Need Your Credit Score?
FICO scores are your credit rating. FICO scores are numbers ranging from 300-850 (the higher the number the better credit score/rating you have). You have 3 FICO scores, one for each credit bureau—TransUnion, Experian and Equifax. FICO scores are used for many situations including: apply for loans (mortgage, home equity, auto, etc), opening a credit card, starting cell phone service or even renting an apartment. Your free credit report from annualcreditreport.com will not contain your numerical FICO score. If you wish to receive the FICO information, Winnebago Community Credit Union recommends using TransUnion’s TrueCredit service. Please note: you will incur additional charge(s) to receive the FICO score information.