Under the Free Credit Reporting Act, American consumers are entitled to one free credit score report from the three major credit reporting companies per year. Other companies may offer free credit score reports, but usually with conditions.
Ordering the Report
Equifax, TransUnion and Experian --- the three major credit score reporting companies --- have jointly established a toll-free number, a mailing address and a website for consumers to order a free annual credit score report.
Required Information
Provide your name, address, date of birth and Social Security number. A previous address may be required if you have resided at your primary address for less than two years.
Other Companies
Several companies offer free credit reports as a means to lure the customer into services that they will have to pay for later. Often, these companies provide a short free trial membership (along with the free credit score report) that, if not canceled by the end of the trial period, the customer will begin paying for.
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