Consumer Credit

Learn More About Getting Your FACT Act Free Annual Credit File

Managing your CreditA State Bank Group Banking Service Under the FACT Act amendments to the Fair Credit Reporting Act you are entitled to one free credit file disclosure in a 12 month period.

To request this free annual disclosure you may contact the Central Source on-line at You can also contact the Central Source to request this free annual disclosure by calling toll free (877) FACTACT.

Because your credit report is an important part of many credit scoring systems, it is important to make sure it's accurate before you submit a credit application.

 To get copies of your report, contact the three major reporting agencies:


Equifax Credit Information Services, Inc

P.O. Box 740241 Atlanta, GA 30374

To order report: 1-800-685-1111

To report fraud: 1-800-525-6285

Web site:

Experian (formerly TRW)

National Consumer Assistance Center

PO Box 2002 Allen, TX 75013

To order report: 1-888-397-3742

To report fraud: 1-888-397-3742

Web site:

TransUnion LLC

Consumer Disclosure Center

P.O. Box 1000 Chester, PA 19022

To order report: 1-800-888-4213

To report fraud: 1-800-916-8800

Web site: