St. Joseph’s FCU offers one free credit report to members per year.
Click here to apply for your report with STJFCU
Free Annual Credit Reports
|An amendment to the federal Fair Credit
Reporting Act requires each of the
nationwide credit reporting companies to
provide you with a free copy of your credit
report, at your request, once every 12
How to request your free credit reports
The three companies — Equifax, Experian and TransUnion — have set up one central service
through which you can order your free annual report. You should not order free credit reports
directly from the credit reporting agencies.
Request your free annual credit report.
Report Ordering Tips:
- When you order your reports, request that no more than the last four digits of your Social
Security Number appear on copies of your credit report.
- While you may decide to do so, you are NOT required to purchase or subscribe to any other
services from a credit reporting company in order to get a free credit report.
- Consider marking your calendar to request a report from a different company every few
months, as a preventative measure against ID theft, rather than ordering all three at one
- Beware of emails, Internet ads and telemarketing calls that promise to obtain your "free
annual credit report" on your behalf. In particular, email messages or Internet ads claiming to
be from www.annualcreditreport.com are likely to be scams.
If you have any questions or if we can help you in any way, please contact Member Services at 330-478-8400.