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Free Annual Credit Report
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Get your FREE credit score and more!

Beware of Free Credit Report Fraud!
1000's of websites offering "FREE Credit Reports" are popping up all over the web from mortgage companies, credit counselors, and from people with somewhat shady occupations.

Some of these websites offer legitimate services to you such as mortgage quotes, but the risk of supplying sensitive information including your Social Security number, bank account, or other information is too risky.

The Federal Trade Commission (www.ftc.gov) provides a link to the official site to download your Free Annual Credit Report from the three major reporting agencies—Equifax, Experian and TransUnion. The website is www.annualcreditreport.com.

To order by phone, you can call 877-322-8228.

 






The "FACT" Act

The Fair and Accurate Credit Transactions Act was signed into Federal law in December 2003 (the FACT Act). The most publicized provision of the FACT Act changes the Fair Credit Reporting Act (FCRA) to allow consumers a free annual credit report from each of the three national credit bureaus—Equifax, Experian and Trans Union.

What is in the Free Annual Credit Report?

The Credit Report provides all the information about you in your credit file maintained by a consumer reporting company that could be provided in a consumer report to a third party, such as a bank or other credit lender. The disclosure also includes a record of everyone who has made "inquiries" about you in a consumer report from the consumer reporting company within a certain period of time. The credit file disclosure includes certain information that is not included in a consumer report about you to a third party, such as the inquiries of companies for pre-approved offers of credit or insurance and account reviews, and any medical account information which is suppressed for third party users of consumer reports.

Is this available in my state?

The Free Credit Report is available in all states.

How often can I receive this report?

You are entitled to a free credit report from each of the nationwide credit bureaus once every 12 months. Of course, you may purchase a credit report at any time from the three reporting agencies.


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