Credit Reports & Services

Credit Reports

• Fifth Third Bank
• Annual Credit Report
• Privacy Guard
• Credit Keeper
• Credit Check Total
• Equifax
• TransUnion
• Experian

Identity Theft Programs

• Trusted ID
• Life Lock
• Identity Guard

Credit Monitoring

• My FICO
• IdentityIQ
• Smart Credit
• My Free Score

Credit Bulding Tools

• My Jewelers CLub
• New Coast Direct
• Credit Strong
• Credit Card Offers

Consumer Resources

Consumer Rights
You have the right to receive a copy of your credit report. Each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – is required to provide you with a free copy of your credit report, at your request, once every 12 months.
If a company denies your application, you have the right to the name and address of that credit bureau.
If you question the accuracy or completeness of information in your report, you have the right to file a dispute with the consumer reporting company and the information provider.
You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.

The Fair Credit Reporting Act
This is the Fair Credit Reporting Act (FRCA) as prepared by the Federal Trade Commission (FTC). It is intended only as a convenience for the public and not a substitute for the text in the U.S. Code. Learn More

Identity Theft
A number of government and private organizations have information about various aspects of identity theft and fraud: how it can occur, what you can do about it, and how to guard your privacy. Agencies like the Federal Bureau of Investigation, Federal Trade Commission, United States Postal Inspection Service, United States Secret Service, the Better Business Bureau, and more.

Credit Facts
There are five factors in determining your credit score:

• Payment History
• Amounts Owed
• Length of Credit History
• Taking on More Debt
• Types of Credit in Use

Why Credit Matters
Credit can affect everything from home loans, auto loans, rental agreements, insurance, social status, and even employment. Bad credit means higher rates on just about everything related to borrowing money. Making a plan to try to improve you credit will help save you money.

Possible to Remove

• Late Payments
• Collections
• Charge Offs
• Bankruptcies
• Judgments
• Tax Liens
• Repossessions
• Inquires
• Identity Theft
• Fraud
• Incorrect Personal Information
• Foreclosures
• Garnishments
• Closed Accounts
• Negative Settlements

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