Saturday, October 17, 2009

From the Federal Trade Commission: is the ONLY authorized source to get your free annual credit report under federal law. The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies — Experian, Equifax, and TransUnion — every twelve months.  The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services.  Don’t be fooled by TV ads, email offers, or online search results.  Go to the authorized source when you request your free report.

Read the FTC FAQs for more information. Your report combines all the information from the three credit reporting agencies: Experian, Equifax, and TransUnion. You don't have to visit all three yourself; does the work for you.

It's a good idea to keep an eye on your credit reports. You don't get your credit score this way, but you do get to see what creditors see. If you're trying to get a loan or mortgage or you just want to know what's on your report, you can get it for free. Then you'll know if you need to take care of any problems or errors that show up.

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