Free Access to Your Credit Reports - It's Your Right!

Experian logoTrans Union LogoEquifax LogoThe Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation's consumer reporting companies. The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program. (excerpt from the Federal Trade Commission website)

Please be aware of how you arrive at this site. To ensure that you are visiting the legitimate site, type https://www.annualcreditreport.com directly into the address bar on your browser. You will never receive an email directly from the Annual Credit Report Request Service.

Note: we have chosen not included the links to the Equifax, Experian and TransUnion in this article, as we were only able to find links for paid report checks and scores. Only go through the www.consumer.fta.gov link above, and if you have doubts, you can always run a Search for the Federal Trade Commission, then click the links from their menu. (Government sites will have a .gov not a .com, .us or .biz, etc)

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