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AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.
Under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the FCRA passed in 2003, consumers are able to receive a free copy of their consumer report from each credit reporting agency once a year. [7] The free report can be requested by telephone, mail, or through the government-authorized website: AnnualCreditReport.com. [8]
The law requires all three agencies, Equifax, Experian, and Transunion, to provide reports. These credit reports do not contain credit scores from any of the three agencies. The three credit bureaus run Annualcreditreport.com, where users can get their free credit reports. Non-FICO credit scores are available as an add-on feature of the report ...
So you should start by getting your free credit report. You can get your credit report from many different services. But by law, each of the three major reporting bureaus has to give you a free ...
The first step to pulling a free annual credit report is to visit the website that allows you to get your report at no cost. The website is AnnualCreditReport.com .
You can get free copies of your credit reports at AnnualCreditReport.com, an official website operated by the three credit bureaus. You can access them up to once per week through the platform. 2 ...
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