Free Credit Report
A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report.
Get Annual Credit Report Free
That's right, you are now able to get your credit report for free. You are legally entitled to your Free Credit Report, at your request, once every 12 months from www.annualcreditreport.com. The Federal Trade Commission (FTC), the nation's consumer protection agency, has prepared a brochure, "Your Access to Free Credit Reports", explaining your rights and how to order a free annual credit report.
What is Free Credit Report
A credit report contains 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.
Access to Free Credit Report
Go to Your Access to Free Credit Reports now, to learn more about how to order your Free Annual Credit Report and how to avoid imposter website that are only trying to take advantage of financially distressed individuals.
Only one website is authorized to fill orders for the free annual credit report you are entitled to under law, and that website is www.annualcreditreport.com. Other websites that claim to offer "free credit reports," "free credit scores," or "free credit monitoring" are not part of the legally mandated free annual credit report program.
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