Credit Report

When obtaining a loan at Scott Credit Union, your Credit Report will be used to determine the rates and terms of the loan you will receive. Typically, the higher the score on your Credit Report, the better the rate you will receive on the loan.

There are three credit reporting companies that generate Credit Reports: Equifax, Experian, and TransUnion.

All consumers are entitled to receive an annual copy of their Credit Report at no charge. To request yours today, visit AnnualCreditReport.com. The site will also provide answers to Frequently Asked Questions. Knowing and understanding your credit score will not only aid you in obtaining financing, it can also protect you from becoming a victim of identity theft.