Mike Kovack

Mike Kovack
Medina County Auditor

144 N. Broadway St, Medina, OH  44256
Medina:  (330) 725-9754     Toll free:  (844) 722-3800, ext. 9754

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Credit Report

Have You Obtained a FREE Copy of Your Credit Report?

In Ohio, the "Fair and Accurate Credit Transactions Act of 2003" took effect on March 1, 2005, giving all consumers the right to obtain a free copy of their credit report for each of the three major credit-report agencies (Equifax, Experian, and TransUnion) annually. If you have not already done so, you may log on to www.annualcreditreport.com to request your free report or send in a written application. This application may be used to make requests to all three major reporting agencies.

Each agency puts together its report differently, so it's a good idea to check all three and stagger them throughout the year. Errors on your credit report are expensive because they can translate into higher interest charges when borrowing money. Report any inaccuracies immediately to the credit reporting agency that made the error. Here is the contact information:

This law entitles consumers only to a free credit report…not a free credit score. Your credit score may be obtained from these same agencies for a fee ranging from $15.95 to $17.95 per agency. Note that your credit score is based on the information in your credit report. If you want to have your credit score changed, you need to review carefully the information contained in your credit report.