Request a Credit Report


Because your credit history can affect so many areas of your personal life, it's important that you know how your credit looks. You should review your credit report at least once a year to check for errors and fraud, and you should review it before making a large purchase, such as for a house or a car.

A credit report includes:


  • Personal information — your name, birth date, Social Security number, address history and employment history
  • Payment history — types of credit you have, such as credit cards, auto loans and mortgages; a list of accounts you have with different creditors, showing your credit limit or original loan amount, your account balance (or the total balance of your last statement) and your payment history (late payments stay on your credit report for seven years)
  • Inquiries — a record of the lenders and creditors that have requested your credit history
  • Public record information — events that are a matter of public record, such as bankruptcies (stays on your credit report for 10 years), foreclosures and tax liens

The three major credit bureaus are Equifax, Experian and TransUnion, and they share your credit information with lenders and creditors whenever you apply for credit.

About your credit score

Sometimes called a credit rating or “FICO” score, a credit score is a numeric value based on the information contained in your credit report. The score, usually between 300 and 850, tells the lender the level of future risk associated with your credit history. The higher the score, the lower the risk. While many lenders use credit scores to help them make their lending decisions, each lender has its own criteria. There is no single minimum credit "cutoff score" used by all lenders, and there are many additional factors that lenders use to determine your actual interest rates.

Request a copy of your credit report


To receive a free copy of your credit report, visit AnnualCreditReport.com or call 877.322.8228. In accordance with the Fair and Accurate Credit Transactions Act (FACT Act), AnnualCreditReport.com provides consumers a secure online means to obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting agencies — Equifax, Experian and TransUnion.

You can also receive a copy of your credit report and credit score with ID Protection Service™ from First Command Bank. A very affordable solution for dealing with the dangers of identity theft, ID Protection Service provides monitoring of your personal credit files along with the opportunity to obtain a credit report and credit score from one or all three of the credit reporting agencies. Learn more or register for this service now.