Howard University Employees Federal Credit Union

Free Credit Report

Due to legislation called the Fair and Accurate Credit Transactions Act (FACT Act) consumers can now get a copy of their credit report from each major credit bureau once a year. It’s a good idea to check your credit report to be able to spot fraudulent credit and correct any other inaccurate information.

To request your reports, go to, which is the only authorized source for consumers to access their annual credit report online for free. Or, call 877-322-8228. You'll be able to order all three credit reports at one time, or at different times throughout the year. It's your choice. But, be sure to order from the centralized agency. If you go directly to the credit reporting agencies, you may be charged unless you fit other criteria for a free report (such as being denied credit).

The credit reports will be mailed to your home with instructions on how to read the reports. If you need additional help in understanding your credit, we will be happy to help you.

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