Viewing Credit Reports

At Academy Bank, we’re here to make your digital banking experience easier. From checking accounts to building your credit, we strive to make banking fast, easy and personal.

You are entitled to one free credit report from each agency every 12 months. Order one report from a different agency every four months to monitor your credit year-round for free. Each agency may have different credit scores, so check for accuracy and consistency.

You can also click here to view tips from Academy Bank on how to manage, understand, and improve your credit score.

To get your free report, visit the three bureaus listed below. Or order a report through www.annualcreditreport.com

If you notice any errors within your credit report, be sure to raise the appropriate flags to the credit bureau to have the mistakes corrected.

The FICO score in your credit report has five main factors. These five factors include:

The chart below breaks these categories down for a better understanding.

If you see errors on your report, like accounts you didn't open or debts you didn't incur, you may be a victim of identify theft. Learn more about identity theft and what to do if you're a victim here.