Credit Report Resources

Fighting Fraud and Identity Theft

The Federal Trade Commission reports that identity theft is the number one complaint among consumers. Therefore, you should protect yourself and take steps to shield your identity. Some easy steps you can take to prevent thieves from stealing your financial information include:

  • Shredding all pre-approved credit offers, credit and debit card receipts, insurance forms, financial statements, and other paperwork containing personal and financial information;
  • Reviewing all credit union statements and other financial statements monthly for discrepancies;
  • Don’t print your social security number on your checks and don’t carry your social security card in your wallet; and
  • Never give personal or financial information over the telephone unless you initiated the call or know the caller and know how the information will be used. We will never ask you for personal information via e-mail or the telephone.
  • Checking your credit report regularly in order to ensure there are no discrepancies. Look for anything that seems out of the ordinary.

Unfortunately, identity theft is a problem that continues to grow. We are dedicated to helping you protect your personal information and will continue to take steps to ensure your identity is protected. Your safety is one of our main priorities.

For more information and helpful tips on combatting identity theft, visit the Identify Theft section of the Federal Trade Commission’s website.

Obtain Your Free Credit Report

Under the Fair and Accurate Credit Transactions (FACT) Act, you are entitled to a free credit report each year from the three major reporting agencies. You can obtain these free annual credit reports by visiting, calling 1.877.322.8228, or mailing your request to:

Annual Credit Report Request Service
P.O. Box 10528
Atlanta, GA 30348-5281

Credit Reporting Agencies


P.O. Box 105069
Atlanta, GA 30348

Report fraud: Call 1-800-525-6285 and write to address above. 
Order credit report: 1.800.685.1111

Experian (formerly TRW)

P.O. Box 9532
Allen, TX 75013

Report fraud: Call 1.888.EXPERIAN (888.397.3742) and write to address above
Fax: 1.800.301.7196
Order credit report: 1.888.EXPERIAN


P.O. Box 6790
Fullerton, CA 92834
Report fraud: 1.800.680.7289 and write to address above
Order credit report: 1.800.888.4213
Web site:



To opt out of pre-approved offers of credit:
for all three bureaus, call 1.888.5OPTOUT. You may choose a five-year opt-out period or permanent opt-out status.

Social Security Administration

Report fraud: 1.800.269.0271
Order Earnings & Benefits Statement: 1.800.772.1213