Credit Report

Have you checked your credit report lately? If not, you should check it on a regular basis to ensure its accuracy and to become familiar with the information being reported about you and your credit activity. Your credit report has become increasingly more important over the years and can have a huge impact on your financial life.

Reasons to check your credit report include:

• Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application.
• To help catch signs of identity theft.
• Ensure creditors made no errors when reporting to the bureaus.
• To identify credit bureau errors.

Reviewing your credit report is easy. Just go to annualcreditreport.com and you can get a FREE copy of your credit report every 12 months from each of the reporting companies…TransUnion, Equifax, and Experian. If you stagger your review, you can look at your credit report every 4 months!

Kohler Credit Union members can also monitor their credit report through Credit Insights, a free credit monitoring tool available in digital banking. With Credit Insights you get instant access to your credit score, credit report, personalized money-saving offers and financial wellness tips on how to improve your score or maintain an already great score.

Note: During the COVID-19 pandemic, Equifax, Experian, and TransUnion are now offering free weekly online reports. Visit annualcreditreport.com to learn more.