Credit Reports

Don’t Get Fooled by Fake Credit Report Sites
You may have seen websites or received unsolicited emails offering free credit reports. Be aware that some of these online sources may not provide credit reports, but may be using these sites as a way to capture your personal information, like bank account information or Social Security Numbers. Here are some things to look for to keep your data confidential.

What to avoid:

  • Don’t click on a link you receive in an unsolicited email. Instead, contact a company you know to be legitimate to request your report.
  • Check to see whether the company who contacted you has a working telephone number and legitimate address. Websites like and are good resources.
  • Look for misspellings or grammatical errors. Obvious mistakes like an area code that doesn’t match an address, a giveaway that the site is a scam.
  • Check to see if the email address matches the website address. If you enter the address and it redirects you to another site, don’t enter any of your personal data.

How to get a Free Credit Report

Log into SEFCU Online Banking and Select Credit Journey
With SEFCU’s Credit Journey, you can view your credit score, monitor your credit report and usage, and access resources to help you improve your finances. You’ll be able to see what’s changed on your credit score and learn how you can improve your financial wellness.

 Features of Credit Journey: 
•    Credit Score analysis
•    Access to your credit report
•    Credit Score simulator
•    Credit updates
•    Credit monitoring alerts
•    Tips to increase your credit score and optimize your financial health

Get Started: 
SEFCU Mobile Banking 
SEFCU Desktop Banking

As part of the Fair and Accurate Credit Transactions Act (FACT Act), consumers can get one free credit report from each of the three national credit reporting agencies once every 12 months. Just visit to safely get a copy of your report.