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Credit ReportsFREE Credit Reports Now Available! Under a new law called the FACT Act (The Fair and Accurate Credit Transactions Act), the three national credit reporting agencies* are required to provide you with a free copy of your credit report once every 12 months, upon your request. The free report requirement is being phased in across the United States from west to east over a nine-month period beginning December 1, 2004, with all regions included by September 1, 2005. Missouri and Kansas residents were eligible to receive free reports as of March 1, 2005. You may request your FREE credit report over the Internet, by phone or by mail. If you use the Internet you'll be able to see your report online. The three nationwide credit reporting agencies have set up one central website, toll-free telephone number and mailing address through which you can order your free annual report. You can order reports from one, two or all three of the credit reporting agencies. Since each agency collects information from different sources, some experts recommend staggering your requests over the course of the year so you can receive a free report every four months. To order your free credit report:
For more information, you can download the Federal Trade Commission publication, Your Access to Free Credit Reports, at www.ftc.gov/bcp/conline/pubs/credit/freereports.htm . * National Credit Reporting Agencies
Equifax
Experian
TransUnion Please do not contact Union Bank about your credit report. We do not assume any liability as a result of the use or misuse of the information we have provided on this website. By your use of this information, you recognize and agree to hold us, our employees, agents, successors and/or assignees harmless from any liability as a result of your using this information, materials, products or services listed on this website. If you have any questions about your credit report, follow the instructions listed on your report to contact the appropriate credit bureau. If you've been denied credit, insurance or employment because of information on a credit report, you're unemployed and plan to seek employment within 60 days, you receive public welfare assistance, or you believe your credit file contains inaccurate information due to fraud, you have the right to obtain a copy of your credit report from the appropriate agency at no cost.  |
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