CREDIT REPORT ACCESS
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 or arrested, or have 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, which established the free annual credit report program:
Frequently Asked Questions
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Q: How do I order my free report? Open or Close
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Q: What do I need to provide to get my free report? Open or Close
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Q: Why do I want a copy of my credit report? Open or Close
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Q: How long does it take to get my report after I order it? Open or Close
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Q: Can I order a report from all 3 consumer reporting companies?Open or Close
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Q: What if I find inaccurate information in my credit report? Open or Close
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Q: What if the they won't correct the information?Open or Close
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Q: How long can a reporting company retain information? Open or Close
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Q: Can anyone else get a copy of my credit report? Open or Close
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Q: Can my employer get my credit report? Open or Close