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 Trans Union®. GSCU recommends you pull your credit report from at least one credit reporting agency every four months to monitor your credit.

Request free copies of your credit report

Why check your credit report? Your credit report shows your credit history and score. Your credit report will ultimately be used by lenders, creditors, insurers, employers, and businesses 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.

If you suspect identity theft or fraud:

Visit and proceed with the provided steps.
1. Call the company where the fraud occurred and ask them to close or freeze your account.
2. Change logins, passwords and PINS for your accounts.
3. Place a free, one-year fraud alert on your account by contacting one of the three credit bureaus:

888-EXPERIAN (888-397-3742)



This alert will require businesses to run an additional identity verification before issuing or pulling your credit.
4. Report the identity theft to the FTC: 1-877-438-4338 or