Understand Your Credit Report

The best way to understand your credit history is to review copies of your credit report from each of the four national consumer reporting agencies. You should review your credit report at least once a year to make sure the information recorded is accurate.

The Fair and Accurate Credit Transactions Act (FACT Act) gives you the right to receive a free credit report from Equifax, Experian and TransUnion once every 12 months.

Requesting Your Reports

To request your reports, visit:

• AnnualCreditReport.com
  You may order all three reports at the same time or at different times during a 12-month period using the Annual Credit Report website.
  • Phone: (877) 322-8228
  • Web: www.annualcreditreport.com

  This phone number and website are the only authorized sources for you to obtain a free annual credit report from Equifax, Experian and TransUnion. Other companies may offer a similar service but may charge unnecessary fees. Always use caution when giving out personal and financial information.

• Innovis.com
  Innovis currently offers two ways to request a copy of your Innovis credit report: by phone or mail. Please refer to the Innovis website to request your report. Depending on which state you live in, you may have to pay to see your Innovis credit report.

Filing a Credit Dispute

If you believe information is reported inaccurately on your credit report, you are entitled to file a dispute. You may file a dispute through any of the national consumer reporting agencies.

Your Student Loan

If you believe information is reported incorrectly about your student loans, you may file a credit dispute directly with Iowa Student Loan. Iowa Student Loan will review your account and correct any identified inaccuracies.

Inaccuracies may include instances when Iowa Student Loan reported negativity in error or times Iowa Student Loan did not report a legitimate delinquency. Investigations of any dispute resulting in any changes will be provided in full to the national consumer reporting agencies.

File a credit dispute with Iowa Student Loan.