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Credit Report

Get a Free Copy of Your Credit Report Thanks to The FACT Act:

For years, experts have advised consumers to check their credit reports on a regular basis in an effort to understand their credit and help fight against identity theft. And now, that’s about to become easier and less expensive than ever before!
The Fair and 1st Financial rate Credit Transactions Act (FACT Act), which was signed into law on December 4, 2003, specifies that each of the three major credit bureaus (Experian, Equifax and TransUnion) must supply one free credit report annually.

Why should I order a copy?

Your credit report is used by lenders when they decide whether they should give you a loan, and how much they should charge you for it. If there are errors in your report, this could affect your auto insurance rates, your ability to rent an apartment or even your ability to get a new job.

How can I learn more?

For more information on ordering your credit report, including a breakdown of the timetable for different states, visit The FTC’s web site at includes complete details on the FACT Act.

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