All about credit reports

Getting your reports

You can get a free report
once every 12 months from
each of the three nationwide
consumer credit reporting
companies. That means
if you order a report from
one of the companies
on March 1, you can't get
another report from the
same company until
March 2 next year.

To ask for your
report online:

You can ask for your
free credit report from
Make sure you are on this
site before ordering your report.
This is the official site,
authorized by the
Federal government, for
you to get your free reports.
You usually can get your
report immediately by
ordering online.
You may also ask for
your report by phone
or mail, but it may take
up to 15 days for you to
get it.

To ask for your report
by phone:

Call 1-877-322-8228
You will go through a simple
verification process over the phone.

To ask for your report by mail:

Download the request form
(You need an Adobe viewer
o view the requested form.
Download the free Adobe viewer)
Print and complete the form
Mail the completed form to:

Annual Credit Report
Request Service

P.O. Box 105281

Atlanta, GA 30348-5281


For more information visit







Online Banking Changes

   When you login to our online banking site it is now going to prompt you to change your Login ID-this is currently your account number.  You can now change your Login ID . 
For example:  bluemoon2016

Your password has not changed!

In addition, if you forget your password you can now have it sent to you via text or email.  You will be asked to provide a question and answer to access this service.  So, the next time you forget your password instead of waiting until our office is open you can have your password available 24/7.

Finally, the online banking site is requesting that you confirm your email address.  You may keep skipping this process or validate your email to avoid this step.

If you have any questions or need assistance we'll be glad to provide assistance, just call 337-5565.





What is a credit report?

When you make a payment on a credit card or loan,
the company that gave you the loan or credit
keeps a record of how much and often you pay.
Those companies and other sources also report
your credit, loan and payment history to one
or more credit reporting companies. The credit
reporting companies combine the information
from your different credit, loan and
payment reports into a single credit file.
Three nationwide companies
prepare credit files for people in the
U.S.: Equifax, Experian, and TransUnion.

A credit report is an organized list of the
information in your credit file. Credit
reports may include:


Credit reports may also include:


A consumer disclosure contains some of the
same information as your credit report, but it
has more information. It includes your total history
of credit information. Some of this information
is not displayed on the credit report viewed
by lenders.

Under Federal law, you are entitled to receive
one free copy of your
credit report from each credit reporting company
every 12 months.  For more information:
visit www.consumerfinance.gov/askcfpb/309/what-is-a-credit-report.html.








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