Free Annual Credit Report

Nowadays, it is possible to get your annual credit report for free. The United States Government has created a website that allows you to obtain credit reports from Equifax, Transunion and Experian for free. This allows consumers and businesses alike to easily check their credit reports and credit history once every 12 months.

Per the Fair and Accurate Credit Transactions Act, all individuals are allowed access to their free annual credit report at once a year. This was an amendment to the Fair Credit Reporting Act that went into affect in December 2003.

Because of the ease of obtaining your credit report, there is really no reason not to actively be keepng up on your credit history. This will not only allow you to stay on top of your finances, but can help protect against identity theft and other forms of nefarious financial crimes. You can check your free annual credit report either on this website or via a mail in form that is provided upon request.

Getting you report on a regular basis allows you to keep it free from any negative items, know what your FICO score is and maintain good credit.