My Credit Score - Heartland Federal Credit Union

My Credit Score

Your credit score is a snapshot of your credit risk at a particular point in time. It adjusts upon a sliding scale and can range between 300 and 850. It is important that you know what your FICO (Fair Isaac Corporation) score and understand what factors make up that number.

How to Order a Free Report

The three nationwide credit reporting companies (Experian, TransUnion, and Equifax) have a central Web site, toll-free number, and mailing address where you can order your free annual report. If you are planning a big purchase soon (new car or home) you may want to order all three credit reports at once. That way you can catch and correct any errors right away. If you’re not planning a big purchase, order from one bureau every 4 months to catch suspicious activity throughout the year.

Website for Free Credit Report: annualcreditreport.com

Call for Free Credit Report: 877.322.8228

Mail for Free Credit Report: PO BOX 105281, Atlanta, GA 30348-5281

Credit Education

The FTC (Federal Trade Commission), a government agency, provides valuable information on why it’s important to get a report, how to order one (and avoid scams), and what to do if you find an error.
FICO sponsors a Web site to educate you about the five credit categories that determine your score and how each are weighted.
TransUnion is a resource for credit guidance and information. Whether you’re looking for information on credit reports or how to protect yourself from identity theft, you’ll find answers and other guidance that will steer you toward a more robust credit health.

Identity Theft

If you think you have become a victim of identify theft click the icon above to access the Federal Trade Commission’s interactive checklist.
Visit ftc.gov/idtheft
Call 877.4384338

REACH Financial Success Education

Credit Scores and Reports

Your credit score may seem like an ambiguous number, but it provides financial institutions and other companies with a snapshot of how “creditworthy” you are. This short, interactive learning experience will teach you how credit scores may impact your financial like and provide more information like:

Checking and monitoring your credit
How to improve your credit score
Types of institutions and companies that may use your credit score

Learn More About Credit Scores and Reports