A credit report is your history of paying debts and other bills. It includes your identifying information, public record info (defaults and/or legal judgments against you), listing of loans and credit cards (plus timeliness of payments) and also inquiries (listing of creditors that have requested your credit report).
The Fair and Accurate Credit Transactions Act (FACT Act) enables you to obtain a free copy of your credit report once a year from each of the three major credit bureaus (Equifax, Experian and TransUnion). For detailed information, contact the Federal Trade Commission (FTC) at www.ftc.gov or at 1-877-382-4357.
- Equifax - www.equifax.com - 1-800-685-1111
- Experian - www.experian.com - 1-888-397-3742
- TransUnion - www.transunion.com - 1-800-999-4213
Free Credit Reports
To obtain a free credit report, go to www.annualcreditreport.com or call 1-877-322-8228
Are you unable to afford your mortgage payments, but want to avoid foreclosure? There are many options that may be available to you.
- You may be able to refinance your loan, extending the repayment period and/or reducing the interest, thereby lowering the payments.
- IBEW 76 FCU may be able to modify your loan, to make your payments more affordable
- You may be able to surrender the deed to your house voluntarily, to avoid the foreclosure process.
- IBEW 76 FCU may be able to provide you with special forbearance, in light of your current circumstances you may be able to sell your home and repay your mortgage in its entirety. If your home’s value is less than your outstanding loan balance, IBEW 76 FCU may be willing to accept less money than you owe as full payment (a short sale).
To explore any (or all) of these options, contact IBEW 76 FCU, (253) 475-6661 or 800-464-0076.
In order for us to evaluate your eligibility for these options we must review some documents. Please prepare the following documents for our conversation:
- Recent pay stubs (or other proof of income, such as SSI payments or retirement income)
- Recent statements from all bank or credit union accounts
- Tax return and all supporting documentation
- Property tax statement
- Hardship letter explaining why you are unable to make your payments
- List of monthly expenses
- You may be required to provide additional documentation of your expenses
Washington’s Department of Financial Institutions will help you find a certified housing counseling agency. You can reach them at 877-894-4663 (that’s 877-894-HOME).
The office of Housing and Urban Development will also help you find a certified housing counseling agency. That office can be reached at 800-569-4287.
What to Do IF You’re Identity Has Been Stolen?
Take action immediately!
Keep record of your conversations and all correspondence.
- Contact the three major credit reporting agencies:
- An excellent reference and checklist is the
"What to do if Your Identity is Stolen" - Brochure
- Contact creditors of all your accounts
- File a police report
For more information regarding identity theft, Visit the following websites: