Credit Reports

An important measure of your financial health.

The information in your credit report can impact nearly every financial decision you make: renting an apartment, applying for a loan, even getting hired. And with the growing frequency of identity theft-related crimes, it’s more important than ever to monitor your credit history on a regular basis.

What’s on my credit report?

The three major credit bureaus are Equifax, Experian and Trans Union. It’s not uncommon to find different information from report to report, so it’s important to monitor all three. Your credit report may include:

  • Personal data, such as current and past addresses, social security number, employment history
  • Credit history, including the number and type of accounts (both open and closed), whether they are in good standing, and the number of credit inquiries in the past 12 months
  • Account details, including account numbers, dates, balances, payment history and status of every account on your record

Remember, if you disagree with any of the information in your report, you have a right to challenge it.

How do I get a copy of my credit report?

You can request one free credit report from each of the three credit reporting agencies every 12 months. Since each agency may have different information, you may want to stagger your requests during a 12-month period. A great place to obtain these free reports is through

Get My Report

Request a free report review

As a member, you have access to a free and confidential credit report review through BALANCE. A counselor will review your report with you, making sure you have the tools you need to maintain and protect your credit standing.

Report Review

What is a credit score?

Your credit score is a three-digit number generated by a mathematical formula and based on information in your credit report to predict your creditworthiness. Credit scores are one of the primary tools a creditor uses when determining whether to lend money to you, and at what interest rate. (Note: The standard, free credit report does not include your credit score.)

Mill City offers members the chance to get your credit score for free and track it each month.

Check your credit score today.

It’s simple.

  • Log in to Virtual Branch and click the Credit Sense graphic on the Overview page.
  • Log in to Virtual Branch, go to the Self Service tab, and click “Credit Sense”.