What do you do when you spot an inaccuracy on your credit report? Take steps to dispute it. Because of the Fair Credit Reporting Act, cleaning up your own credit report is usually quick and easy. Credit reporting agencies (often called credit bureaus) should only report accurate and current information. Read More…
The Fair and Accurate Credit Transactions Act of 2003 (FACT Act) is an amendment to the Fair Credit Reporting Act (the law that regulates credit reporting agencies). It is an important tool in the fight against identity theft. Read More…
Your credit score can have a major impact on your life. Not only do creditors typically check your score when deciding whether or not to approve your loan application and what interest rate to charge you if you are approved, but landlords, insurance companies, and even employers often check it as well. Having a good score can help you achieve your goals quickly and at the lowest possible cost. Read More…
750. 670. 620. 575. You may not think about them every day, but your credit report and the three little digits that make up your credit score probably influence your life in many ways. They can affect the cost of credit you receive, your ability to rent or buy a home, the insurance rates you pay, and even the jobs you can get. By understanding the reporting and scoring process, your consumer rights, and how to recover from inaccuracies and guard against identity theft, you can establish and maintain a stellar credit report and score. Download Now.
Find out in just twelve minutes about credit reporting agencies, what's in your credit report, understanding credit scores, how to improve your credit standing, and your consumer rights and identity theft. Listen Now.
We’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. Check out the Credit Reports & Score Toolkit from BALANCE.
Make your life easier. Download the epOnline Mobile App.
Grow Your Money
Rates as low as 7.50% APR on a Bill Consolidation Loan
More than 80,000 nationwide surcharge-free ATM's*
Your next adventure starts at EPFCU with a low-rate loan.
Consolidate with Personal Loans. Rates as low as 7.50% APR*!