Credit Reports

Checking your Credit Once a year is Vital.

Finding out your credit score might seem like a daunting task, but it is surprisingly easy to get a free credit report every year. This will assist you to annually screen your credit, confirm that your credit card and loan payments are conveyed accurately, and protect your identity from being used.

What is a Credit Report?

A credit report is a document that lists actions in your recent history that affect your credit rating. Any loans, credit cards, or other debts acquired over the past 7 years should be included on your credit report. Some data – such as past bankruptcies or unpaid tax liens – stays on a credit report for longer. Certain types of checks, like those for high-salaried jobs, will remain on the credit report from the very beginning of the reporting.

A credit report is typically summarized in a credit score, a number between 300 and 900 that tells banks and other lenders how dependable you are and how solid of a lending risk you might be.

Why Should I Check My Credit Report?

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Your credit report will hypothetical include transactions and history for you and only you. That’s why it’s connected to your name and social security number – so that employers, loan officers, credit cards, landlords, and anyone else who might check your credit report knows they are getting statistics about the correct individual.

But in cases of identity theft – an increasing problem in the United States – thieves will use your personal information, such as social security numbers and credit card information to steal currency or secure a credit card or loan that they never plan to repay. These kinds of dealings can have a grave effect on your credit score. Usually the victim will not learn about the theft until months or even years later when they are denied a mortgage or declined a job offer. However there are legitimate mistakes in credit reporting occasionally that are easy to correct if they’re recognized quickly, but next to impossible to erase if remain for any prolonged period of time.

Request your Credit Report Once a Year!

The Fair and Accurate Credit Transactions Act ensures that all citizens are treated fairly when they apply for a mortgage or other form of credit. FACT Act also entitles all consumers to a free annual credit report to verify it is accurate.

The Fair and Accurate Credit Transactions Act of 2003 (abbreviated FACT Act or FACTA, Pub.L. 108–159) is a United States federal law, passed by the United States Congress on November 22, 2003 and signed by President George W. Bush on December 4, 2003, as an amendment to the Fair Credit Reporting Act. The act allows consumers to request and obtain a free credit report once every twelve months from each of the three nationwide consumer credit reporting companies (Equifax, Experian and TransUnion). In cooperation with the Federal Trade Commission, the three major credit reporting agencies set up the website,, to provide free access to annual credit reports.

The act also contains provisions to help reduce identity theft, such as the ability for individuals to place alerts on their credit histories if identity theft is suspected, or if deploying overseas in the military, thereby making fraudulent applications for credit more difficult. Further, it requires secure disposal of consumer information.


For more information, please visit


For more information, please visit


For more information, please visit is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies – Equifax, Experian and TransUnion. provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act). See Above..

  • By Phone: Call (877) 322-8228
  • By Mail: An Annual Credit Report Request form must be ordered from the Federal Trade Commission and mailed to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can also print the form at the FTC’s web page.



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Free Credit Reports
Checking your Credit Once a year is Vital