COA and Debt Management

Information about credit and your credit score

It is important to be informed about your credit and your credit score.  FICO scores are your credit rating.  Most lenders base approval for credit, and often the rates at which they will lend, your FICO score.  You have three FICO scores, one for each credit bureau.

Free credit reports are available under a new provision in the FACT Act.  Order your free credit report at  If you are ever denied credit, a free report is also available from the credit bureau that was the source of the information on which the credit decision was made. 

Credit reports and a credit score can also be obtained for a fee from the three major credit bureaus.

Learn more about credit scoring and purchase your credit score from this site.

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