Monday, May 14, 2012

Fed Gov guarantees 100% free credit reports for everyone.

Thought you might find this interesting. We should all keep an eye on our
credit reports regularly.


The Fair Credit Reporting Act guarantees you access to your credit report
for free from each of the three nationwide credit reporting companies ‹
Experian, Equifax, and TransUnion ‹ every 12 months.

The Federal Trade Commission has received complaints from consumers who
thought they were ordering their free annual credit report, and yet couldn't
get it without paying fees or buying other services. TV ads, email offers,
or online search results may tout "free" credit reports, but there is only
one authorized source for a truly free credit report. No strings.

This central site allows you to request a free credit file disclosure,
commonly called a credit report, once every 12 months from each of the
nationwide consumer credit reporting companies: Equifax, Experian and

How do I request my free credit report?

You can request your free report online, by phone or by mail. Visit, call 1-877-322-8228, or fill out the Annual Credit
Report Request form and mail it to Annual Credit Report Request Service,
P.O. Box 105281, Atlanta, GA 30348-5281. No matter how you request your
report, you have the option to request all three reports at once or to order
one report at a time. By requesting the reports separately, you can monitor
your credit more frequently throughout the year.

Posted via email from The Art of Cynthia Pendley

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