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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 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.

You can obtain your credit reports from, the official site from all three agencies once per year.  You can also call call 1-877-322-8228 or fill out a form and mail it. We recommend that you do it every 4 months, rotating through the three major reporting agencies once per year so that you can keep an eye on your credit report several times per year.

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.

To order free credit reports you can visit


All Information is deemed to be accurate but is not guaranteed. All Warranties express or implied are expressly denied.
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