Have financial questions? Ask our experts!

You ask – we answer! Need a “get out of debt” plan or just need someone to read over your credit report with you? Redstone Federal Credit Union’s accredited financial counselors can help. No matter where you are in your financial journey, from just getting started to retirement, they can help you envision your next step and answer all of your financial questions.  

Financial Counseling Q & A

March 30, 2017

Have financial questions? Ask our experts!

You ask – we answer! Need a “get out of debt” plan or just need someone to read over your credit report with you? Redstone Federal Credit Union’s accredited financial counselors can help. No matter where you are in your financial journey, from just getting started to retirement, they can help you envision your next step and answer all of your financial questions.

Q: How can I obtain a free copy of my credit report and how often?

A: Consumers can get free credit reports in two ways.

  • You are entitled to a free copy of your credit report any time you are denied credit by contacting the appropriate credit bureau marked on the adverse action letter.

  • You may also obtain a free copy from each of the three credit reporting agencies once every 12 months; however, we recommend staggering your request by pulling one every four months to give you a look at your file all throughout the year. Ex. January – pull from Equifax, May – pull from Experian and September – pull from TransUnion. Visit www.annualcreditreport.com — the trusted and free website to access your credit file.

Read next: 5 Reasons You Need to Check Your Annual Credit Report

Q: What information should I look for when I view my credit report?

A: Look for these things when reviewing your report:

  • Verify all personal information is correct
  • Confirm all debt contained within the report is valid
  • Review old active accounts and consider closing them
  • Review inquiries to assure there is an affiliation with each creditor/company

Discover our top blog post about personal finance

Have other financial questions or concerns you’d like to go over with one of our expert financial counselors? Call Redstone at (256) 722-3796 to schedule an appointment with an accredited financial counselor today! Want your question answered in the next issue of Aspire!, our member newsletter? Send your financial questions to aspire@redfcu.org.

This article was adapted from our Aspire! member newsletter. See all the articles here. 

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Redstone is an Equal Credit Opportunity Lender.

This content is provided for informational and educational purposes only and considered accurate as of the date posted. Views and opinions expressed in comments do not constitute an official endorsement by Redstone Federal Credit Union® or its affiliates. Redstone encourages you to seek professional advice for your personal situation before making any financial decision and is happy to assist you at any of our branch locations.

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