Free Annual Credit Report

You are entitled to receive a free annual credit report as a consumer in the United States. Back in 2003, the Federal Government passed the FACT Act so that all Americans could get a annual credit report free of charge and be able to keep track of what the credit reporting agencies were compiling on them.

This is ground breaking in that people are now able to see what lenders see, correct any errors that are on the report, and keep track of their credit to prevent any blemishes that might damage their worthiness as a credit risk. Before the FACT Act was passed, the only people privy to this information was the lenders and the credit reporting agencies.

There are two ways you can go about receiving a copy of your credit report. First, you can go directly to any of the websites of the credit reporting agencies. These agencies are Experian, Equifax, and TransUnion. Their web addresses are,, and

You will have to answer a few personal questions and provide proof of your identity based on some of the information on the credit report. Then the report appears directly on your computer screen so you can view it, download it to your computer, and/or print it out.

The second option you have to obtain your free credit report is to go to They will eventually be directing you to the credit reporting agency of your choice, but they will be able to easily guide you through the process of getting your credit report for free.

It is very important that you take advantage of getting your free credit report each year and checking it for accuracy. Mistakes can be made, and they can affect the decisions of lenders when you apply for a line of credit or a loan. Just one mistake can make the difference between a yes and a no from the lender.

You will also want to monitor your free report for any information that does not apply to you. It can alert you to identity theft if you see that there is information on there that isn't yours such as a credit card you never applied for or a loan that you never sought out.

The free annual credit report is a great tool for consumers to have when it comes to their credit. Not using it is a huge mistake, so go out and get your free annual credit report today if you haven't already. It's the best thing you can do for yourself.

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