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Viewing Credit Reports

For more information or to speak with a Financial Education Specialist, please contact us at FinancialEducationAB@academybank.com.

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At Academy Bank, we’re here to make your digital banking experience easier. From checking accounts to building your credit, we strive to make banking fast, easy and personal.


How to Order a Free Credit Report

You are entitled to one free credit report from each agency every 12 months. Order one report from a different agency every four months to monitor your credit year-round for free. Each agency may have different credit scores, so check for accuracy and consistency.

You can also click here to view tips from Academy Bank on how to manage, understand, and improve your credit score.

To get your free report, visit the three bureaus listed below. Or order a report through www.annualcreditreport.com


If you notice any errors within your credit report, be sure to raise the appropriate flags to the credit bureau to have the mistakes corrected.


What to Review in Your Report

The FICO score in your credit report has five main factors. These five factors include:

  • 10% types of credit
  • 10% recent credit applications
  • 15% length of credit history
  • 30% debt load
  • 35% payment history

The chart below breaks these categories down for a better understanding.
​​​an infographic explaining how credit scores are measured

Additional items to review in your report:

  • Closed accounts
  • Collections
  • Public records such as bankruptcies and tax liens

If you see errors on your report, like accounts you didn't open or debts you didn't incur, you may be a victim of identify theft. Learn more about identity theft and what to do if you're a victim here.



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