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.

"Working with Granite State Credit Union, I became financially secure as a single woman raising two children. I was able to bring my credit score from a 502 to 804, purchase a vehicle, and now I'm in the process of trying to buy my home."

Member Testimonial

What to do if you suspect identity theft or fraud

Visit https://www.identitytheft.gov/ and proceed with the provided steps.
OR

Call the company where the fraud occurred
Ask them to close or freeze your account
Update login information
Change logins, passwords and PINS of affected accounts
Place a free, one-year fraud alert* on the account with each credit reporting agency
This will require businesses to run an additional identity verification before issuing or pulling your credit

Report the identity theft
FTC: 1-877-438-4338 or Report online
Dispute the activity on your credit report through the relative credit bureau(s)
Remember you can check your credit report for free each week at annualcreditreport.com

Equifax^®
(800) 685-1111

Experian^®
(888) 397-3742

TransUnion^®
888-909-8872

Get Your Free Credit Report now

*FAQ: What’s the difference between a credit freeze and setting up a fraud alert through the credit bureaus?
The main difference between a credit freeze and a fraud alert is that a credit freeze prevents access to your credit report, preventing new credit from being opened without your authorization, while a fraud alert informs creditors to take extra steps to verify your identity before approving credit. To set up a fraud alert, you will only need to contact one credit bureau, and the others will be notified – unlike a freeze where you must contact all three bureaus. Fraud alerts also expire after a year, unless you place an extended alert which is valid for five years.

CREDIT EDUCATION RESOURCES

Credit Report 101

Schedule a private in-branch or video banking information session to take the mystery out of your credit score.
Submit a form to get started
CreditSavvy

Utilize this free, secure, service within Digital Banking to access your credit score anytime, anywhere.
Learn more

Why check your credit report?

What to do if you suspect identity theft or fraud

Call the company where the fraud occurred

Update login information

Place a free, one-year fraud alert* on the account with each credit reporting agency

Report the identity theft

Dispute the activity on your credit report through the relative credit bureau(s)

CREDIT EDUCATION RESOURCES

Credit Report 101

CreditSavvy

GSCU Routing Number: 211489494