The Fair Credit Reporting Act and its 2003 amendment, the Fair and Accurate Credit Transactions Act (FACTA), allows consumers to obtain a free copy of their own credit report from each of the three major credit bureaus, Experian, Equifax and TransUnion.

The OFFICIAL, SECURE place to do this online is at www.annualcreditreport.com.
This site is the government authorized place to get one, two or all three of your free credit reports. 

As consumer credit scores become more important in the current economic climate, it is imperative that you make sure your credit report is accurate and your score is the best it can be.  Because more people are learning about their credit and what they can do to make it better, there are many companies that want a piece of the action.

The credit bureaus each have their own websites with many opportunities for you to spend lots of money to get information about your own credit report.  Many of these are heavily advertised in the media, particularly television and online.  When they get you to their site for your “free” credit report, you have to sign up for some type of additional service such as credit monitoring, identity theft protection or a score watch program.  THIS IS NOT YOUR FREE CREDIT REPORT THAT YOU ARE ENTITLED TO BY LAW!

At the official site, www.annualcreditreport.com, you will have the option to spend some money as they WILL try to sell you additional items, especially your credit score. 

NOTE: you do NOT need to purchase anything to get your free credit report. 

Be aware that there are some unscrupulous companies that are posing as a place to get your credit reports but they are really just phishing for your personal information for identity theft and other fraudulent purposes. 

Protect yourself, save some money and go to the official, secure site to get your free credit reports.  You can visit our Credit Report page for more information.

 We offer a comprehensive Credit Analysis starting at only $100 that gives you information to understand your credit report along with detailed strategies to improve and grow your credit scores.  Contact us now to take control of your credit instead of having it control you.