Credit Bureau Reporting

We are committed to credit integrity and to transparency to both our borrowers and other credit and banking agencies. Because of that, we report all credit information to four credit bureaus (Experian, Innovis, Transunion and Equifax).

Each individual’s credit score is unique. It is essential for you to monitor your credit and take steps to resolve any potential inaccuracies through a process known as disputing. A dispute can be filed by contacting the nationwide consumer credit reporting company that provided the credit report. You can obtain a free copy of your credit report annually and dispute any inaccuracies at that time at

Or, if you feel a change is necessary in the information that we have provided to a Credit Reporting Agency, you can dispute this information by completing the Credit Bureau Direct Dispute form, and submit it by fax or mail along with your supporting documentation.

Credit Score Resources

We want to be sure you have a complete understanding of your credit score and how to protect it. Here are a few resources to help you:

  • FAQ’s to help explain how and why we’re reporting to the credit bureaus.
  • For general information about credit scores, check out
  • Want a great tool to help understand how your credit score is calculated? Check out the Understanding Your FICO Score booklet.
  • For more information from the Federal Trade Commission (FTC) on opting-out from unsolicited phone calls or emails, click here.
  • FAQ’s about the Credit Bureau Direct Dispute process

Post-Credit Pull Communications

In alignment with the Federal Trade Commission (FTC), when an applicant's credit is pulled, an alert is sent to credit bureau agencies about this inquiry. While Farm Credit will never sell or give your information to another lender or third party, credit bureaus can, which can result in an increase of loan offering solicitations to you from other lenders. Click here to learn more about these offers and how to opt out.