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How To Obtain Your Free Credit Report

Under the Fair Credit Reporting Act, you, as a consumer, are entitled to one credit report a year at no cost. Carefully reviewing this free credit report each year is a vital step to protecting your account from identity theft. It is also important to monitor these reports because your credit report has information that one day might be crucial in the decision of approving a mortgage or other loan for which you have applied, renting a house or apartment, or possibly even getting a job.
There are three major credit reporting agencies (see below) and you are able to receive a free report from each. It is always a good idea to compare the information on all three reports and contact the companies to correct any erroneous information.
While these free reports give you access to your credit history, they do NOT provide your credit score. Typically, credit score is only available when purchasing a report, however SCCU members may monitor their credit score free of charge through Online Banking.

If you have been denied credit, insurance, or other benefits in the past 60 calendar days, you may receive a free credit report that does not count as the free credit report you are entitled to once a year. You can go to the three nationwide consumer credit reporting companies’ web sites to receive this report, or you may call their toll free number.

How to Retrieve Your Free Credit Report Online:

  1. Go to
  2. Select the state in which you reside under the "Select Your State" drop down box
  3. Provide all required personal information
  4. Select one or more of the nationwide consumer credit reporting companies to request a free credit report
  5. Click “Next” to be transferred to selected company’s website. When done with the particular company, click “Return to” to go back and select another credit reporting company’s information
You will be able to do this for each of the three credit reporting companies. Once on the company’s website, you will have options to view and print your free credit report.

How to Retrieve Your Free Credit Report by Phone:

  1. Call 1-877-322-8228. This number is linked to the same company that provides If you go to any of the three credit reporting companies’ websites or contact by phone, you have the possibility of being charged for their services.
  2. This automated service will first ask for your home phone number to pull up your information.
  3. After your phone number has been verified, you will be instructed to say your address into the phone and the system will look for information matches.
  4. Once all information (Social Security number, numeric address, and zip code) has been verified, you will then have the option to have your reports mailed to your home address.
Phone: 1-800-685-1111
For denied credit:
Phone: 1-888-397-3742
Phone: 1-800-680-7289

Important Phone Numbers
Lost/Stolen Card: 800-447-7228, option 5
Equifax: 800-846-5279
Experian: 888-397-3742
TransUnion: 800-916-8800

Get Your Free Credit Report

Under the Fair Credit Reporting Act, you are entitled to one free credit report a year. Carefully reviewing this free credit report is a vital step to protecting your account from identity theft. Learn More.


  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Collier, Flagler, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
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Learn more about the Member Rewards program.