inspiring our members to achieve financial success

Credit Score

Protecting and Monitoring Your Credit Score is Smart
At Oxford Federal Credit Union, we work hard to help you build financial security and achieve your financial objectives. One smart way of doing both is protecting your borrowing power and maintaining a good credit score.

From time to time, the financial institutions with whom you do business (credit cards, mortgage lenders, department stores) will check your credit score. But who else is looking? Has someone else applied for credit in your name? Has someone else’s late payments been erroneously applied to your credit score?

You have a right to check your credit report - absolutely free - every 12 months from each of the three major credit reporting companies: Equifax, TransUnion, and Experian.

Requesting a report is easy, and you can do it in one of three ways:

Online: www.annualcreditreport.com
By Phone: 1-877-322-8228
By Mail: Download and complete the Annual Credit Report Request Form, fill it out, and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281

You can get all three reports at once, or you can order one every 4 months. This second option allows you to monitor your credit score three times a year at no charge.

If you have questions or need assistance call us at 800.991.9219.