When is the last time you checked your credit report? Did you know that you can get a free copy of your credit report every year? The Fair Credit Reporting Act legally requires the three nationwide credit reporting companies (Equifax, Experian and TransUnion) provide you with a free copy of your credit report every 12 months.
To receive your free credit report by law, you can request it:
- Online – Visit AnnualCreditReport.com. This site offers additional products and services for a fee. Just say no to the additional offers to receive your free credit report.
- Phone – Call 1-877-322-8228
Reviewing your credit report gives you an opportunity to verify the accuracy of the information reported. You also have a chance to identify and address any discrepancies. Requesting your credit report every four months from a different credit reporting company allows you to monitor your credit year round for free.
Beware of websites who promote free credit reports to lure you into purchasing other products and services. Visit the Federal Trade Commission (FTC) to learn more about these imposter websites.
In the spirit of St. Patrick’s Day, check out the FTC’s video: