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Credit Reporting Services

You are entitled to receive a free credit report every 12 months from each of the three nationwide consumer credit reporting agencies; TransUnion, Experian, and Equifax.


These consumer reporting agencies have a central website, a toll-free number and a mailing address where you can order your free annual report. To order, please visit

or call 877-322-8228. You can also print and complete the Annual Credit Report Request Form and mail to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Your free annual credit report is only available through the central website, phone number or Annual Credit Report Request Service listed above.

When ordering your free report you’ll be asked to provide your name, address, date of birth and Social Security number. You may also be asked for further identifying information based on information in your credit report.

It is important to note that is the only site authorized to fulfill orders for the free annual credit report you are entitled to by law. Other websites may claim to offer free credit reports, free credit scores or free credit monitoring but are not part of the legally mandated free annual credit report program. In some cases, the “free” product ends up costing money. Your free annual credit report does not include your credit score. Federal law gives you the right to request an annual free copy of your credit report from each nationwide credit reporting company. However, the law does not require the credit reporting companies to provide a free credit score.


Reporting Identity Theft


If someone has used your identity to establish credit,  please contact us at Harbor Pointe Credit Union then contact each of the consumer reporting agencies listed below to report the incident: