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Can the OCC help me with my credit score?

The Office of the Comptroller of the Currency (OCC) does not maintain or dispense credit scores. You may have several credit scores that are frequently changing in value and are calculated based on information found in one or more of your credit reports. If you have concerns about your credit scores, you may want to obtain a copy of your credit report from a credit reporting agency.

You are entitled to one free annual credit report every 12 months from each of the three major credit reporting agencies—Equifax, Experian, and TransUnion., which was created by the three credit reporting agencies, is a centralized service for requesting your free annual credit reports. You can order reports from all three credit reporting agencies at the same time, or order them separately.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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