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Getting Your Report

A relatively new law promotes free access to credit reports.  A recent amendment to the federal Fair Credit Reporting Act (FCRA) mandates that each agency provide you with a free copy of your credit report, at your request, once every year; to accomplish that a website was created annualcreditreport.com .  From this site you can see your report and dispute anything that is inaccurate.

WARNING:   you dont need the add-ons annualcreditreport.com sells

 

For additional fees, each agency may offer you different report variations, such as:

  • A credit report with or without your credit score.
  • A three-in-one credit report that lets you see a side-by-side comparison of records, from all three agencies, with or without scores.
  • Notification services when your credit history is requested.
  • Routine notification changes to your file.
  • Subscriptions that allow you to access your report on a regular basis.Gr

Stay away from sites like "Freecreditreport.com"  They will try like crazy to sell you things you dont need.  Use annualcreditreport.com