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Get Your REAL Free Annual Credit Report
The federal Fair Credit Reporting Act (FCRA) requires that U.S. consumers be entitled to a free credit report each year. The government’s goal is to make sure that consumers stay informed, fight identity theft, and get fair treatment.
In the past, not everybody was entitled to a free credit report. Instead, consumers had to pay or qualify based on certain activity within the credit report. Some states required that residents periodically be entitled to a free credit report, but it is now nationwide.
How do I Get my Free Credit Report?
The nation’s credit reporting agencies have teamed up and built a website that you should use to get your free credit report. The site is http://www.AnnualCreditReport.com.
You can also call them at 877-322-8228 and request your free credit report.
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