Important Notice

  • Due to system maintenance, and Xpress Digital Banking will be unavailable beginning on Wednesday, August 12 at 11:30 p.m. until Thursday, August 13 at 12:30 a.m. We apologize for the inconvenience and thank you for your membership in Gesa Credit Union.

Free Credit Reports

Consumers may obtain a free credit report once every 12 months from each of the three nationwide consumer credit bureaus (Experian, Equifax, and TransUnion). offers consumers a fast and convenient way to request, view and print their credit reports in a secure Internet environment. It also provides options to request reports by telephone and by mail. is the only service authorized by the credit bureaus for this purpose. They recommend that as a security precaution, consumers should never provide their personal information to any other company or person in connection with requesting free annual credit reports under the FACT Act. will not approach consumers via email, telemarketing or direct mail solicitations.

You may access up to three credit reports, one each from each of the reporting bureaus. To keep tabs on your credit report throughout the year, it is suggested that you get a credit report every 4 months. For instance, in January, get your report from Experian; then in May, get the report from Equifax; then in September get the report from TransUnion. Or in any order you wish. That way, you can go through the whole year, keeping watch on your credit report. It's a good way to check for possible fraud, ID theft or any other unusual activity on your account.