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SMART Credit Check

It's Time To Pull Your Credit Report – Learn Why!

Smartcredit Check LogoIf you haven't checked your credit report lately, the Credit Unions Care Foundation of Virginia and credit unions across the Commonwealth, including UVA Community Credit Union, want you to make this a priority.

For more than a decade identity theft has been at the top of the Federal Trade Commission's list of complaints, and according to Javelin Strategy & Research, in 2017 over 16.7 million people were victims of identity fraud. Reviewing your credit report can help you discover accounts you didn't open or debts you didn't incur that were initiated by an identity thief.

Additionally, a 2013 Federal Trade Commission study found about 40 million consumers have errors on their credit reports, some of which could have an impact on credit scores.

That's why your credit union wants to remind you to order and review your credit report. The Fair Credit Reporting Act allows you to obtain one free copy annually from each of the major credit reporting agencies (Equifax, Experian, TransUnion).

It's easy; just visit where you can order one or all three reports at the same time. You may want to consider staggering your requests throughout the year to help monitor for identify theft on an ongoing basis. For example, order a free report from Experian in January, then order from Equifax in May, and then in September from TransUnion. The following year, start over with a free report from Experian. For step-by-step instructions, click here.

Your credit report is an important tool; order your copy today so you can:

  • Spot warning signs of identity theft
  • Find reporting errors
  • Understand how to improve your credit


We're happy to sit down one-on-one with you to review our credit report to help you understand its content, find ways to improve your credit, and save you money. To schedule an appointment, please call 434-964-2001, option 3.

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