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The REAL Free Credit Report

The advertisements are everywhere, get your free credit report at “FreeCreditReport.com” They even have a nice catchy song to it. In reality, this site is a business, and you will be charged nearly $80 if you don’t cancel a subscription that you are automatically enrolled in.

The good news, is that US citizens, by law, have the right to request a Credit report from all three major credit agencies – Equifax, Experian, and TransUnion. The US Congress modified a law requiring all three credit agencies to supply an annual report to whomever requested it. The law is the Fair Credit Reporting Act. (FCRA). Thus, you are entitled to 1 free report per year, for each of the three credit agencies.

In order to comply, an official website to request your credit was built. The official site is AnnualCreditReport.com. Therefore, if you are planning on obtaining your free annual credit report, that is the official place to do it. This is the only official website. To confirm the veracity of this information and to check other ways of requesting your free credit reports, you can go directly to the Federal Trade Commission website at: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm

Categories: Business, English, General, Internet
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