Your Annual Entitlement to All Three Credit Reports

The Fair Credit Information Act was introduced to protect all consumers by giving them free access to their credit information every 12 months and designed to allow consumers to view their reports free of charge and to challenge any inaccurate data relating to them.

The Fair Credit Information Act covers consumers because of their private information about them and their spending habits are collected and included in these reports.

These credit reports are then made available to lenders, credit card companies, insurance agencies and anyone who requests a copy to evaluate your credit application.

You can get a free copy of their reports every year to see exactly what information about them is included in these reports. Any discrepancies or incorrect information may result in a consumer receiving a low score, which may affect their chances of getting the credit or loans they need.

To protect you, the Fair Credit Reporting Act was passed so that you have the opportunity to change these discrepancies and correct their reports to make them genuinely accurate and to increase their credit score.

If their ratings reflect accurate information, their chances of getting the credit they need at a lower interest rate increase. Would you like a copy of your credit reports at no charge, you can order them online or by phone, or fill out a form that allows you to order the report for free.

You have to provide some information to verify that you are who you say you are. Don’t be fooled by websites that make claims that they will get you a free copy of your report. Most of these sites are fraudulent and will charge you something in the long run.

Sometimes you have to register for a program or buy a product to get the free copy. The best way to contact the credit bureaus yourself to get your free copy is to go to

Once you have received your free copy and looked through it for items that you think need to be changed, you can register with the credit bureaus to purchase another copy in about 6 months so that you are always up to date on what is reported to the credit bureaus.

The Fair Credit Reporting Act provides help to consumers by allowing only certain agencies such as lenders, credit card companies, insurers, employers, and landlords access to your credit information with your consent

If you are applying for a loan or credit, sign your consent when you sign the application. Potential employers require you to sign a consent form before accepting employment. Make use of your right to receive a free copy of your credit reports today.




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