credit report?

Question

Are the major credit reporting agencies required to give you a credit report for free every year by law?

Answer 1

Yes. You can go to https://www.annualcreditreport.com to retrieve your free credit reports. You may get all three reports at one time or get one now, one from a different bureau four months from now, and one from the remaining bureau four months later to rotate them, or any other time frame you prefer.

Answer 2

Yes, there is a website where you can get a free copy of your credit report.

I **THINK** it is www.annualcreditreport.com

but I could well be wrong. There are some websites out there that will give you a copy of your credit report, along with some sort of subscription services for a fee though, you have to be careful.

Answer 3

Yes. The 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 Federal Trade Commission (FTC) explains your rights under the FCRA and how to order a free annual credit report online at http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm

You can also visit http://www.annualcreditreport.com to request your free credit report online once every 12 months from each of the nationwide consumer credit reporting companies.

The credit bureaus are NOT however required to give you a free credit score. If you want to know your credit scores you will need to purchase them. The easiest way to get your credit scores are with a Free 3-in-1 Credit Report, Credit Score and Credit Monitoring trial from a site like http://www.credit.com or you can purchase them directly from each individual credit bureau.

Answer 4

Yes. I recommend you check your reports at least twice a year. You should also sign up for a service that alerts you to any changes in your consumer file. This will help greatly when it comes to Identity Theft.
It does not cost anything to dispute mistakes. Self help is best. If you need assistance with understanding your credit report surf to http://www.YourGuideToCredit.com You'll find free letters and information to all your credit and debt questions.

Answer 5

I often end up posting the same thing on other sites