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  • Information regarding credit scores and how you can obtain your FICO® credit score and credit report Equifax and TransUnion.

    Note – Effective February 14, 2009, Experian discontinued offering their FICO score through the myFICO website.

  • Over 75% of credit applications in the U.S. use the FICO® score, and most banks and mortgage lenders look at all three credit bureau scores.

  • FICO® scores have different names at each of the three credit reporting agencies. All of these scores, however, are developed using the same methods by Fair Isaac and have been rigorously tested to ensure they provide the most accurate picture of credit risk possible using credit report data.

  • For more information about myFiCO click here.

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  • Protect your identity by locking/unlocking your Equifax Credit File in real time online.

  • Detectpotential fraud activity through 3 bureau credit monitoring and internet scanning.

  • Resolve an identity theft occurrence with an ID Theft Resolution Specialist.

  • Unlimitedaccess to your Equifax credit file and one free 3-in-1 credit report per year.

To learn more about this product and or to subscribe to this Equifax product click here or click on the Equifax banner to the left.

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P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111
(888) 766-0008 – Fraud Department

To place a security freeze via mail on your Equifax credit report, click here.


Post Office Box 2000
Chester, PA 19022
(800) 916-8800
(800) 680-7289 – Fraud Department

To place a security freeze online on your TransUnion credit report, click here.


PO Box 4500
Allen, TX 75013
(888) 397-3742
(888) 397-3742 – Fraud Department

To place a security freeze online on your Experian credit report, click here.


  • To learn how to obtain a free copy of your credit report once every 12 months directly from the 3 national credit bureaus, click here

  • To Opt-Out of firm ofers of credit or insurance from lists supplied by Equifax, Experian, Innovis and TransUnion, click here or call (888) 567-8688.

  • PLEASE NOTEACRAnet - CDS does not actually maintain any credit files on individuals and is not directly affiliated with any of the 3 national credit bureaus listed above, therefore, we will not be able to update your credit file with them. In order to have your credit file updated with the 3 national credit bureaus, you will need to contact each bureau directly.

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  • Site provides valuable information about credit education, identity theft, and the Fair Credit Reporting Act (FCRA) – the law that governs credit bureaus.

  • To view a Summary of Your Rights under the FCRA, click here.

  • To view a Summary of Your Rights as a victim of Identity Theft, click here.

  • To view a complete version of the FCRA, click here.

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This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.