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Obtaining a Credit Report and Credit Score

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So you’ve heard of those ads on the TV about getting your free credit score. The jingle is pretty catchy but the truth is these credit score companies have some misleading advertising which may cost you a lot more in the long run. Your best course of action is to obtain a free credit report from the source listed below and then work from there to get your score.

Where to get your free annual credit report

You can get one free credit report from each agency (Experian, Equifax and TransUnion), every 12 months. We recommend getting your credit report from

This website was set up by the government and credit reporting agencies with the creation of The Fair Credit Reporting Act. All three credit agencies will provide a free copy of your credit report at your request, once every 12 months. If you want to regularly monitor your credit, a good tip is to pull a different credit agency’s report every four months. That way you are never going too long without knowing what’s on your report.

Where to get your credit score

  • – The credit score is not included in your free annual credit report but here you can also pay to get your credit score with your report.
  • If you apply for a loan or credit card at Virginia Credit Union - Your loan officer will be able to give you the credit score that we received for the loan application. If you ask, your loan officer will be able to give you advice on how to improve your score. This is a great credit union service.

It is important to note that each credit reporting agency has a different credit score, ranging from 300-850. There are numerous sites that will give you your free credit score but be careful as they tend to enroll you into monthly memberships or may sell your information to different lending companies.

If you have any questions, call (800) 285-6609 to speak with a Virginia Credit Union representative. We are here to help.