Credit

Your Credit. Your Financial Wellness. 

Your credit score plays a large role in assessing your financial wellness and health. You can request your credit report each week for free from any of the three national credit reporting agencies: Equifax^®, Experian^®, and TransUnion^®. GSCU recommends you pull your credit report from at least one credit reporting agency every four months to monitor your credit.

Why check your credit report?

Your credit report shows your credit history and score. Lenders, creditors, insurers, employers, and businesses use your credit report to determine whether they want to do business with you and the terms they’d be willing to offer you. Better credit will lead to better rates and opportunities. It is important to check your credit history to understand your current credit position. Checking your credit reports can also help you detect any inaccurate, fraudulent, or incomplete information affecting your credit.

If you spot a mistake on your credit report, contact the credit bureau and the business that reported the inaccurate information. More detailed steps are listed here.