ANSWERS: 3
  • You are entitled by law to one free credit report per year by The Federal Trade Commission. You do not have to give them a credit card #,etc. This is the only one that has no hidden agenda or charges and is absolutely free. http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm
  • You are, by law, allowed one free credit report from each of the three major bureaus per year. The only recognized online site for a free credit report (free of any sign-up requirements, etc.) is www.annualcreditreport.com. You can download all three credit reports if you like, though it's recommended to get one every four months to keep a constant eye on activity. You can also contact TransUnion, Experian and Equifax by phone or mail.
  • If you are a US Citizen, according to the FACT act, you are entitled to one credit report per year from each of the 3 credit bureaus. You are also entitled to a free report if you are seeking employment, have been denied employment based on your credit report, or have been denied credit based on your credit report. The website is at www.annualcreditreport.com if you wish to order via the internet, though if you have limited information contained on your credit report, you may need to order over the phone or through postal mail. If you order through the mail or over the phone, the report will be sent to your address. If you order online, you will need to set up a username/password with each bureau and provide an e-mail address, though the report will be available online. To order through the mail, you'll need to fill out and mail in a form located at https://www.annualcreditreport.com/cra/requestformfinal.pdf . If you wish to order over the phone, the number is 1-877-322-8228 (877-FACT-ACT). Be aware that you'll have to list previous addresses for any method if you've been at your current address for less than two years. Also, the law entitles you to free credit reports, NOT to free credit scores. (You may want to pester your congressmen about this.) I hope this helps!

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