Free Credit Reports Get Yours Today
Below is a MRR and PLR article in category Finance -> subcategory Credit.
Free Credit Reports: Get Yours Today!
Summary
Have you obtained your free credit reports yet, or did you pay for them? Be cautious! The FTC has authorized only one website, phone number, and mailing address to provide your free credit report.Keywords
Free credit report, Equifax, Trans Union, Experian, FICO, FTC, Fair Credit Reporting Act, consumerArticle Body
You may have seen ads promoting free consumer credit reports, but beware of hidden charges. You don't need to pay for your reports, regardless of what you've heard. Here's how you can genuinely get them for free.Thanks to a 2003 amendment to the Fair Credit Reporting Act, Congress instructed the Federal Trade Commission to ensure that you can obtain your credit reports for free. Previously, a fee was required. As of September 2005, residents of all 50 states can access a free report from Experian, Trans Union, and Equifax once a year.
So, why are these reports free? Despite being independent of the government, these three companies have significant influence over your credit standing and, by extension, your livelihood. It was decided that everyone should have access to their personal reports. Additionally, many reports contain errors, and consumer advocates argued that you shouldn't pay to correct mistakes. Thus, the 2003 amendment to the Fair Credit Reporting Act was born.
There are several ways to get your free credit reports, but only one website provides them for free: [www.annualcreditreport.com](http://www.annualcreditreport.com). This is the sole site acting on behalf of Equifax, Experian, and Trans Union to give you free reports.
You can also call the toll-free number:
1-877-322-8228
If preferred, you can submit your request in writing by downloading and filling out a form from [this link](http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf). Mail the completed form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
For more information about the Fair Credit Reporting Act and the Federal Trade Commission, visit: [http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm](http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm)
When ordering your reports, you can also request your FICO score. Unlike the free credit report, a small fee, typically $5 to $7, is required. If you decide to access your score, you can pay using a credit card. The credit bureaus may offer additional services, such as alerts, while you're requesting your report. These services usually come at a cost, so choose carefully to avoid unexpected charges.
You can find the original non-AI version of this article here: Free Credit Reports Get Yours Today .
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