We have recently seen an increase in fraudulent activity through phishing scams via text message, email and phone.
In order to safeguard your identity and protect your finances, never click unsolicited links or respond to suspicious texts, emails or calls. For more information click here.

Did you know?

You can customize your debit or credit cards with a second line. Have a favorite nickname, sports team or just something fun you want to include?
Second Line on Debit and Credit Cards - Altura Credit Union

We are always holding giveaways on our Facebook page. Don’t miss out, and check back often.

Altura Credit Union was first opened back in 1957 and has grown to span all across Riverside County.

Learn More

We volunteer our time, whether it’s fundraising for Habitat for Humanity or helping local teachers makeover their classrooms, we always want to be involved!

Learn More

Altura rewards two lucky members every quarter with a cash prize of $1,500. All you have to do is start saving!

Learn More

Credit Unions cannot be bought or sold because they are owned by their members. Members are part owners because they have a stake in the company.

Learn More


Credit Reporting Agencies

Credit Reporting Agencies

When applying for a loan, Altura Credit Union will look at your credit history using a credit reporting agency.

What is a credit reporting agency?

Watch this video for a quick introduction to credit reporting.

There are three major credit reporting agencies

  • Equifax
  • Experian
  • TransUnion

Financial institutions use different agencies, as well as their own scoring models. Over 200 factors in a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical.

Who uses the information from credit reporting agencies?

Lenders utilize the information that credit reporting agencies collect. It helps them determine whether or not you are a good candidate for a loan. But it’s not just lenders who are interested in your credit history. Potential employers, landlords, and even insurance providers want to know your credit history. If any of these people deny your credit, they must give you the contact information of the credit reporting agency who provided them with your credit report.

Getting a free credit report

Under Federal law, you are entitled to receive one free copy of your credit report from each credit reporting agency every 12 months. You can obtain a free copy of your credit reports at https://www.annualcreditreport.com or by calling 1-877-322-8228. For more information visit Consumer finance Credit Report

How do I correct my credit report if I think there is an error?

There are times when the information reported about your credit report may contain inconsistencies. If you find information that you believe is not correct on your credit report, contact
the company that issued the account or the credit reporting company that issued the report. For more information visit:
Common Credit Report Errors


How Can I Find Errors on my Credit Report?

Credit reporting errors are extremely common. Some common errors to look out for include incorrect personal information, accounts listed as “closed by lender,” debts more than seven years old or duplicate accounts. It’s important to look for these errors because they can lower your score.

Why Do I See Accounts, Aliases or Loans I Don’t Recognize on my Credit Report?

If you are seeing any of these on your credit report, you might be a victim of identity theft. You might not even know until you start reading over your credit report.

How Do I Contact the Bureaus?

Contacting the Bureaus

Discover More

Financial Well-Being

Learn How to Manage Your Money

Financial Well-Being

Learn How to Build Your Credit


Our Suite of Calculators Help Determine Monthly Payments

Altura in the Community

See How We Support Our Local Community

We are Invested in Helping You Live a Financially Healthy Life

Benefits of Membership