How can I get a copy of my credit report?

You do have the following options for obtaining a copy of your credit report:

  • Our Select Checking comes with Identity Theft Protection Service through ID Protect®. With ID Protect®, you get a 3-in-1 Credit Report every 90 days or upon receipt of credit alert.  Click here to see more information about ID Protect®.
  • If you are declined for a loan at OHecu, you will be mailed a notice with instructions on how to obtain a free copy of your credit report.
  • The federal government requires that each of the three national credit-reporting agencies, Experian, Equifax, and TransUnion  - gives you a free credit report every year.  You can request a free credit report by visiting  
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