Annual Credit Report

By law you’re entitled to receive one free copy of your credit report annually from each of the three credit reporting agencies (Experian, Equifax, and TransUnion), so a total of three reports each year. You can pull a copy online at

Rather than pulling all three reports at once, we recommend pulling one of the reports every four months – January, April & September. This will help you keep a year-round eye on your credit report and catch potential fraudulent activity sooner.

Review these four key areas of your credit report for accuracy:

  1. Personal information– Your name, address history, social security number, date of birth and employment history.
  2. Credit history– This is the largest section of your credit report, and will contain information on all the credit accounts you’ve either opened or co-signed for, including accounts you’ve closed.
  3. Credit report inquiries– Whenever someone inquires about your credit, such as a landlord, lender, or insurance company, this information is recorded and remains on your report for up to two years.
  4. Public records– Any public information, such as bankruptcy, late child support, or unpaid taxes, can stay on your credit report for up to 7 years. Comb through each of these sections and make sure that all the information is correct.

If you need assistance, please contact us to schedule your First Class Lending Review!


Our loan department will be closed on Saturday August 24th in order for our loan officers to participate in the Des Moines Walk to End Alzheimer's. Our Go First Class team will be walking and have a booth at the event. Register to come out and walk with us or donate ( if you wish to support your credit union employees. The MSR's and a New Account Rep will be available to assist you with any transactions and new accounts during our normal business hours of 9am to Noon in the lobby and 8:30am to Noon in drive-up. If life happens and you need to get a First Class loan started over the weekend our 24/7 call center is available to assist you or apply via our website (click on the "Apply for a loan" box under this notification). Thank you for your understanding and support.