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





We are now EMV chip enabled for our
Credit and ATM/Debit Cards

Watch for your new card to come in the mail
when your current card expires.



Secure Your Web Cameras To Keep Others From Spying On You
May 20, 2015

It's difficult to find a computer, mobile phone, or even television without a webcam as standard equipment these days. They're certainly handy and have allowed us to be the selfie-taking society that we are, whether we like it or not, and give us the ability to video chat with those far away. However, this great technology also comes with some reservations and warnings: It can allow others to potentially spy on your every move.

There are some indicators, such as the little LED light to tell you you're being watched. But some hackers have figured out a way to activate the camera without that happening. Fortunately, that is a rare occurrence.

There are a few other precautions to take with regard to that camera.





  • If you're not using the camera, cover it up with a piece of black tape or a sticky note so that even if it does suddenly click on, it won't show anything.
  • If you can deactivate it in your settings, do so when not in use.
  • Make sure you have anti-malware installed and updated on your computer. Also, make sure those patches and updates are applied when they are released.
  • Don't open attachments or click links that are unsolicited. Many times, malware that allows for spying is within those.
  • Keep the firmware on the devices updated as well. The manufacturers release those periodically and you should apply them. Check for updated versions the first time you install an internet-connected device as well.
  • Don't forget to change the default passwords on internet-accessible devices in your home such as baby monitors or security cameras. Make sure those passwords are strong passwords that are a mixture of upper and lower case letters, as well as numbers and special characters. Also, don't use passwords you have used on other accounts such as your bank account.
  • Any time you use a public computer, there is no guarantee it's free from malware, so if you don't want to be on camera when using those, put something over the lens.

Compliments:  TraceSecurity





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.








  Back to Top