Managing Your Credit

Your credit rating can have a significant impact on your financial life as it affects the interest rate you receive as well as your ability to obtain credit and other financial services.

A good credit rating is an asset that can save you thousands of dollars in your life time and should be managed and maintained like any other financial asset. A poor credit rating, on the other hand, is a liability that can cost you thousands of dollars in your life time and every effort should be made to improve it.

The Fair Credit Reporting Act was amended in 2004 to allow everyone to obtain a free copy of their credit report once every 12 months. You can order your free credit report on-line or by calling (877) 322-8228.

Understanding Your Credit Report And Credit Score

Visit myFICO to get general information on credit reports and how scores are determined.

Resolving Errors On Credit Reports

Contact these agencies to resolve disputes.

Protecting Your Credit And Identity

MEFCU has partnered with Equifax to offer you several alternatives to help you protect your credit and your identity. Simply click the Equifax logo at the right to discover the many options available to both monitor your credit and protect yourself from identity theft.