Your Access to Free Credit Reports
The Fair Credit Reporting Act (FCRA) requires each of the nationwide
consumer reporting companies – Equifax, Experian, and TransUnion – to
provide you with a free copy of your credit report, at your request,
once every 12 months. The FCRA promotes the accuracy and privacy of
information in the files of the nation’s consumer reporting companies.
The Federal Trade Commission (FTC), the nation’s consumer protection
agency, enforces the FCRA with respect to consumer reporting companies.
A credit report includes information on where you live, how you pay
your bills, and whether you’ve been sued, arrested, or filed for
bankruptcy. Nationwide consumer reporting companies sell the information
in your report to creditors, insurers, employers, and other businesses
that use it to evaluate your applications for credit, insurance,
employment, or renting a home.
Here are the details about your rights under the FCRA and the Fair
and Accurate Credit Transactions (FACT) Act, which established the
free annual credit report
program.
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