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Credit Management

Get Your Free Credit Report

The Fair Credit Reporting Act guarantees you FREE access to your credit report once every 12 months from each of the three nationwide credit reporting companies - Experian, Equifax, and TransUnion. Although there are many TV ads, email offers, and online search results that may tout "free" credit reports, there is only one authorized source for a truly free credit report. (Source: United States Federal Trade Commission,

  • is the ONLY authorized source for the free annual credit report that is yours by law
  • It provides access to all the information in your credit file
  • It also maintains a record of everyone who has checked your credit report (lenders, insurance providers, etc.)
  • It's a great way to identify areas of improvement, discover errors, and detect fraud
  • This report does not include your credit score
  • For more information or to request your free report, visit

Why does credit matter?

There are a variety of reasons your credit history may be checked - applying for a loan, opening an account with your electric company, renting an apartment, applying for a job, and more! The purpose of checking your credit history is to gain an understanding of your behavior, including your financial behavior. You can learn more about credit by visiting A few things you'll learn on this website are:

  • The four elements of a credit report: identification, account history, public records (bankruptcy filings, court records of tax liens) and inquiries
  • Find out what to do if you have not established a credit history
    • Have a cosigner or authorized user added to the account
    • Apply for a secured credit card, which requires users to put up cash as collateral
  • How various life events impact your credit
    • Marriage or Divorce
    • Renting or Leasing
    • Making a Large Purchase
    • Financing a New Business
  • How to prevent fraud and identity theft

Improve your credit! 

No matter what your credit score currently is, there is always room for improvement. Although the necessary steps for improving your credit are easy, it does take time. So the sooner you start, the better off you will be! For more information visit, a website created by our NVB credit card provider. A few things you will learn on this site are:

  • How credit scores are calculated
  • Why non-credit companies look at your score
  • How to improve your credit score
    • Show creditors you are responsible by paying your bills on time, every time
    • Building credit happens by using credit (wisely)
    • Never max out your cards
    • Pay more than just the minimum due on your card
    • Wait to apply for additional cards if you've recently opened one
    • Errors & fraud happen - catch it early by monitoring your credit report
  • What to do if your identity (personal information) is stolen