You can get a free copy of your credit report every 12 months from each national consumer credit reporting agency (Equifax,
Experian and TransUnion). Make sure you use these free reports to confirm the information is accurate and there isn’t suspicious
activity that could be a sign of identity theft. Your credit history can impact your ability to obtain favorable mortgage rates,
credit card approvals and even jobs.
Here’s how to request your credit reports and what you should do to ensure the information is accurate:
If you are currently past due, or delinquent, on your student loan, it may be reported to the three major national consumer credit
reporting agencies. Student loan servicers report all delinquencies of at least 90 days to the credit agencies. Late payments stay on
your credit report for seven years, so it is critical that you work with your student loan servicer. If you are experiencing any difficulty
making a payment, contact MOHELA to discuss alternative options.