Credit Report
Review your credit history, catch mistakes, and stay aware of activity connected to your name.
A quick check can tell you a lot
Your credit report includes information about your accounts, payment history, and other activity connected to your credit. Checking it regularly can help you spot errors, prepare before applying for a loan, and catch signs of identity theft early.
You can review your credit reports from Equifax, Experian, and TransUnion online for free at AnnualCreditReport.com.
Keep an eye on your credit
Check It
Review all three credit reports and make sure the accounts, balances, and personal information look familiar.
Fix Errors
See something that isn’t right? You can dispute incorrect or incomplete information directly with the credit bureau and the company that reported it.
Protect Yourself
If you see activity you don’t recognize, act quickly. A fraud alert or credit freeze can help make it harder for someone to open new credit in your name.
My Financial Health
Get a clearer view of your finances inside Heritage South Digital Banking. Check your VantageScore® 3.0, monitor where your personal information may be exposed, and more at no cost.
Want even more features? Optional proactive premium features are available for a small monthly fee.
Explore Online & Mobile BankingGet your reports from the official source
AnnualCreditReport.com is the federally authorized website for requesting your free credit reports from Equifax, Experian, and TransUnion.
You can also request your reports by calling 1-877-322-8228.
Need to fix or protect your credit?
Contact the three nationwide credit bureaus to dispute incorrect information, freeze your credit, or report suspected fraud.
For a credit freeze, contact all three bureaus. If you’re placing a fraud alert, you only need to contact one bureau and the request will be shared with the other two.
Equifax
Phone: 866-349-5191
Dispute Mailing Address:
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
TransUnion
Phone: 800-916-8800
Dispute Mailing Address:
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
Experian
Phone: 888-397-3742
Dispute Mailing Address:
Experian
P.O. Box 4500
Allen, TX 75013
Questions about your credit?
Bring us your questions. We’ll help you understand what you’re looking at and where to go next.
It’s another way We Help When Others Won’t.
