Weve all seen the ads for free credit reports in our email and on various websites.
But are most free credit report offers real?
Unfortunately, most are not actually free. In fact, most require a monthly credit monitoring or other fee one that most people really dont need.
Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies Experian, Equifax, and TransUnion.
To get your copy, visit www.AnnualCreditReport.com and you can order your credit report online. Or if you prefer, you can make your request by phone or mail.
Other websites that claim to offer free credit reports, free credit scores, or free credit monitoring are not part of the legally mandated free annual credit report program.
So dont get taken by these other offers.
What should you do if you find any wrong or damaging information on your credit report?
Contact the credit bureau that issued the report in writing (you can also file a dispute online.) Be specific about what you think should be removed, and...
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