Credit report - Free online credit report - Online credit report - Credit report repair - Free credit report - Credit bureau report - Consumer credit report
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To better understand the issues relating to your legal situation or problem, our legal information and other law related facts may be of interest to you
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The Fair Credit Reporting Act (FCRA) requires each of Credit bureaus - Equifax, Experian, and Trans Union - to provide you with a free copy of your Credit Report, upon your request, once every 12 months.
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 about residences, credit accounts, inquiries public records and Consumer statements.
Credit bureaus 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.
How can I order my free Credit Report?
The three nationwide Consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.
To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may choose to order a Credit Report separately each Credit Reporting agency.
The law allows you to order one free copy of your report from each of the nationwide Consumer reporting companies every 12 months.
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Return to all Credit Report legal information
Legal Articles about Credit Report
Credit Report Frequently Asked Questions
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Credit report correction techniques
Many times the credit bureau is busy and does not handle your dispute properly ...
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Basic rights under The Fair Credit Reporting Act
All Federal Laws are in consumer's favor and you will have the advantage ...
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Credit Scoring and the Lending Industry
Credit scoring is crucial to your ability to get a loan. When you apply for a mortgage, your lender ...
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At Home: Wanna raise your credit score? Pay bills
Topeka Capital Journal
Yount: The (free credit) report (from the three major credit reporting repositories) will not include a credit score, but it will allow you to review all of the history of your past and present credit. It will also allow you to see who has inquired ...
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Ask Brianna: How Do I Get My Student Loans Back on Course?
NerdWallet (blog)
You'll also see your servicer, the company that collects payments and helps you enroll in repayment programs. Private loans, originated by banks, credit unions or state loan programs, should be listed on your credit report. Access it for free from each ...
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