HAVE YOU CHECKED YOUR CREDIT? Not everyone in the United States is aware that Americans are entitled to one free credit report within a 12-month period from each of the three credit bureaus. (This would be evidenced by the fact that some companies charge for this information.) And to make it easier to obtain your credit report, the three credit bureaus – Equifax, Experian and Transunion – run an online free service so that users can obtain their free credit reports.
Here is the free service:
AnnualCreditReport.com was created by the three nationwide consumer credit reporting companies – Equifax, Experian and TransUnion – and offers consumers a convenient way to request, view and print their credit reports in a secure Internet environment. They also provide options to request reports by telephone and by mail.
Note: If you wish to dispute an item on your credit report pulled using their free system, the credit bureaus, under the Fair Credit Reporting Act (FCRA), have 45 days to investigate your inquiry.