My Credit Report

Credit Monitoring with Identity Theft Insurance
Monitor your credit and receive identity theft insurance as means to guard and protect your name and credit. You'll even receive email updates notifying you of any credit report changes or signs of fraud every week. Protecting your identity and credit history could never be easier.

Online 3 in 1 Credit Report
Credit report errors reduce your creditworthiness. In seconds, view your credit report online from all three national agencies. Easy-to-read report includes credit score and analysis, fraud watch emails, plus a FREE credit management guide.

Online Single Credit Report
Interested in your credit picture? Here's a fast way for you to view a snapshot of your credit from one of the major credit reporting agencies. You can even add a credit score and debt-to-income ratio for a measure of creditworthiness, a key quality for attaining a loan and sometimes even employment.

Receive a Discount on your Identity Theft Protection Purchase
Platinum Plus, Advantage Plus and Classic checking customers receive a discount on the initial purchase price of Identity Theft Protection product purchased. Click here to learn more about checking account options and benefits. Click here to receive a discount on your Identity Theft Protection product purchase.

Give your Credit a Check-up
With a little research and five simple steps, it's easy to spruce up your credit profile.

1. Get the facts
The first step is to get a clear picture of your credit profile. Order your credit report, credit score and debt analysis online to get a complete picture of your current status. Look closely at the data from each credit bureau to see that it all matches up. Keep an eye out for:

	Wrong mailing addresses
	Incorrect Social Security info
	Old employers
	Signs of identity theft
	Errors in your credit accounts
	Late payments
	Unauthorized hard inquiries

2. Right the wrongs
Contact your creditors or send letters of dispute to the credit bureaus to have errors on your credit report corrected. By law, the credit bureaus have 30 days to investigate your claim and make any appropriate corrections.

3. Improve your behavior
Identify problem areas on your credit report and make a plan for improvement. If you've had a hard time paying your bills on time, sign up for an automated payment service. If your debt levels are above 50% of your available limit, create a payment plan to reduce your balances. Set goals for improving your credit and be sure to celebrate when you reach a milestone.

4. Follow up
Check your credit again 30-60 days after disputing errors and changing your behavior to see how much you have improved. If any inaccuracies remain, continue to negotiate to have them taken off your credit report. If you want to tell your side of the story, ask to have a consumer statement added to your credit file.

5. Monitor your credit
To guard against fraud and keep your credit healthy, sign up for a credit monitoring service that will quickly alert you to any changes in your report. Keep copies of your old credit reports and letters of dispute in a safe place for future reference. Make a plan to evaluate your progress in the spring.

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