Frequently Asked Questions

What is a credit report?
A credit report provides you with the information in your personal credit file that is maintained by a credit reporting agency, company or bureau. The information can be provided in a consumer report about you to another party, such as a lender. You can receive a copy of your credit report from a consumer reporting agency.

Do I have to pay to get a copy of my credit report?
You can order a free secure copy of your credit report once every 12 months that is certified by the three major credit reporting agencies Experian, TransUnion, and Equifax at or call 877-322-8228.

What is a credit score?
A credit score is a number that is calculated based on various formulas and is used to evaluate information in a credit file. A credit score is used by a lender to help determine whether a person qualifies for a credit card or loan. The most popular credit score is the FICO score. The FICO score ranges from 300-850 with 850 being the highest score.

The credit score evaluates things such as payment history, total amount owed, length of credit history, new credit accounts, and types of credit accounts. There is a fee to purchase your credit score which is avaiable at

I was denied credit can I get a copy of my credit report?
If you were denied credit in the last 60 days or if you are unemployed you can get a free copy of your credit report. Obtain the contact information for the company that provided the information to deny you credit and request a copy of your credit report at

What is my credit score used for?
Your credit score is used by lenders, employers, insurance companies, creditors, landlords and service providers to determine approval for credit or a loan.

Where can I learn about preventing internet fraud, identity theft and protecting my personal information?
The following website provides tips on identity theft. You can also visit these websites to learn about identity theft, or




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Last Date Update: July 30, 2018