Credit Reports & How to Request Them

Find out if negative information appears on your credit report and what your credit rating is. Your credit report is maintained by three major credit bureaus and shows:

• Your personal information
• Credit information
• Public record information
• Names of those who’ve requested copies of your report

It also assigns you a rating, or “score,” based on your payment history, how much new credit you’ve acquired and the forms of credit you hold.

THIS IS IMPORTANT BECAUSE...

Whenever you apply for a loan or mortgage, your credit record—along with such information as your income, assets, length of employment, length of residence in one place—is checked to see if you’re a good credit risk.

NOTE: Your credit score is not automatically included with your credit report; you must request it from the credit bureau.

How Do I Get a Copy of My Credit Report?

AnnualCreditReport.com provides members a free credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. Visit the Web site or:

• Call 1-877-322-8228
• Mail a request to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281

What If I Find an Error on My Credit Report?

If you think there may be an error on your credit report regarding your Navy Federal account(s), contact the credit bureau directly. It's our experience that they're able to handle concerns quickly and efficiently. Once the dispute is filed, the credit bureau will electronically transmit all necessary information to us, so we can work jointly to investigate and respond to your concern.

We report to the three major credit bureaus: Equifax, TransUnion and Experian (see contact information below.)

Equifax Credit Information Services
PO Box 740256
Atlanta, GA 30374
Toll-free: 877-322-8228
www.annualcreditreport.com

Experian, Incorporated National
Consumer Assistance Center
PO Box 105281
Atlanta, GA 30348-5281
Toll-free: 877-322-8228
www.annualcreditreport.com

TransUnion, LLC
PO Box 2000
Chester, PA 19022
Toll-free: 800-916-8800
www.annualcreditreport.com

If you'd prefer to submit your dispute directly to Navy Federal, click on the link below.

Submit Dispute to Navy Federal

For us to handle your dispute regarding your Navy Federal account(s), you must send* the following documents to the PO Box listed at the bottom:

• A detailed description of the item and why you feel it's inaccurate
• The date of disputed form
• The full Navy Federal account number in question
• A copy of the credit report (from Equifax, TransUnion or Experian) which reflects the disputed item
• Any documentation you have, which supports your position

Please forward your dispute with the above documentation to:

Navy Federal Credit Union
PO Box 3700
Merrifield, VA 22119-3700

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*It's important that you submit this information for us to be able to conduct a reasonable investigation. Without this information, your claim may not be processed and may be considered "frivolous and/or irrelevant" as defined in the Fair Credit Reporting Act. Additionally, it is helpful for you to confirm your address, so that Navy Federal can promptly send you notification of the results of our investigation. Please be aware that Navy Federal cannot request changes to your credit report if the results of our investigation indicate the information on the credit report is correct.