Credit Bureau Information

Credit Bureau Information

Free Annual Credit Report

The amended Fair Credit Reporting Act permits consumers to request a free copy of their credit report once every 12 months from each of the three major credit reporting agencies (i.e., Equifax, Experian, Trans Union).

You can order your free credit reports from Annual Credit

To learn more about your free annual credit report and ways to receive it, the Federal Trade Commission has written Free Credit Reports.

Credit Reporting Agencies

If you think you have been a victim of identity theft you can contact the three major credit reporting agencies listed below:

Equifax (
P.O. Box 740256
Atlanta, GA 30374-0256

Experian (
P.O. Box 9554
Allen, TX 75013-9554
1-888-EXPERIAN (397-3742)

Trans Union (
P.O. Box 2000
Chester, PA 19016

There are a variety of local credit reporting agencies as well. The Consumer Financial Protection Bureau has published a full List of Consumer Reporting Companies.

The following information is courtesy of the Federal Trade Commission.  Learn more about the Federal Trade Commission by visiting their website at Federal Trade

Credit Scores

To find out about your credit score – what it is and how it affects you, visit:

Fixing Credit Reports

If your credit report contains inaccurate information, or the report shows accounts that you never applied for, how do I have this information removed? For information, see:

Bankruptcy and Negative Information

A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for ten years. For more information see:

Credit Reports and Divorce

If you had a joint account with your spouse, you are both responsible for the debt even if you are divorced. For more detailed information see:

Utica District Telephone Employees Federal Credit Union

Utica District Telephone Employees Federal Credit Union provides a complete range of financial services to employees of Verizon, Spectrum and Northland Communications and their families.

Routing Number



Get In Touch

2812 Genesee Street
Utica, NY 13502

Office Hours: M-F: 8am-4pm
Phone: (315) 724-5133
Toll Free: (844) 470-9880
Fax: (315) 793-8296



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