Credit Reporting

Why would I want a copy of my credit report?

Your credit report has information that affects whether you can get a loan - and how much you will have to pay to borrow money. Use a copy of your credit report to:

  • Make sure the information is accurate, complete, and up-to-date before you apply for a loan.
  • Help guard against identity theft. That's when someone uses your personal information - like your name, your Social Security number, or your credit card number - to commit fraud.

To request a free credit report you have three options:

Request your Credit Report Online
It's quick, easy and secure. If you are eligible for a no-cost credit report, you will be able to view it and print it after your identity is verified. This website allows you to request a no-cost credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
http://www.annualcreditreport.com/

Request your Credit Report by Phone
You will go through a simple verification process over the phone. Your reports will be mailed to you.
Toll Free: 1-877-FACTACT (1-877-322-8228)

Request your Credit Report by Mail
Request your credit report by mail by filling out the request form located on the following website: www.ftc.gov/bcp/conline/include/requestformfinal.pdf and mail it to:

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


Prevent Identity Theft:
Monitoring and periodically reviewing your credit report is an effective tool in fighting identity theft.

Credit Reporting Agencies:

Equifax:

1-800-525-6285

Experian:

1-888-397-3742

Trans Union:

1-800-680-7289


Social Security Administration Fraud Line: 1-800-269-0271

Todays Best Rates

Type F/V Term APR
≤75,000 miles Fixed 4 Years 2.70%*
≤75,000 miles Fixed 5 Years 2.90%*
>75,000 miles Fixed 5 Years 3.25%*
Type F/V Annual Fee APR
Platinum Variable None 7.90%*
Preferred Variable None 11.5%*
Classic Variable None 12.5%*
Savings F/V Term APY
CD Fixed 5 Years 1.81%*
Money Market Variable n/a 0.20%*
IRA Variable n/a 0.25%*
Rates Effective March 1, 2013
*Rates subject to change. On approved credit.
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