USAgencies Credit Union recommends that you periodically (at least annually) check your credit report as an ongoing vigilance against Identity Theft. Access to your credit report allows you to spot errors that could cause you to be denied credit or to pay higher interest rates for cars and mortgages.

Effective December 1, 2004, Oregon consumers may request a FREE copy of their credit report annually from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion according to federal law.

For security purposes, www.AnnualCreditReport.com can be accessed by typing the web address "www.annualcreditreport.com", or from links from the Federal Trade Commission (www.ftc.gov), Equifax (www.equifax.com), Experian (www.experian.com) and TransUnion (www.transunion.com) websites.

AnnualCreditReport.com is the only web source authorized by all three nationwide consumer credit reporting companies from which free annual credit file disclosures can be requested.

Request your Credit Report by Phone
Call 1-877-322-8228 to request your credit reports by phone. You will go through a simple verification process over the phone. Your reports will be mailed to you.

Request your Credit Report by Mail
You can request your credit report by mail by filling out the request form and mailing it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

For a small fee, you can obtain a copy of your credit report at any time from the three major credit bureaus:

• Equifax: 800.685.1111 or www.equifax.com
• Experian: 888.397.3742 or www.experian.com
• TransUnion: 800.916.8800 or www.transunion.com