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AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.
The chart specifies what is free, what kind of credit reports are included, and whether a full Social Security number is needed. According to the Federal Trade Commission , " AnnualCreditReport.com is the only authorized source for the free annual credit report."
Now any company who advertises a “free credit report” on TV or radio must include the statement: "This is not the free credit report provided for by Federal law." [ 7 ] [ 8 ] [ 9 ] The law also calls for the Federal Trade Commission to issue new rules that will force free credit report advertisers to inform consumers that the only place for ...
The first step to pulling a free annual credit report is to visit the website that allows you to get your report at no cost. ... AnnualCreditReport.com is the only legitimate website where you can ...
Check your credit report for the debt. AnnualCreditReport.com allows you to obtain a free credit report from each major consumer reporting company weekly. Claim your reports online, then review ...
You can dispute hard inquiries you didn’t authorize, but you cannot remove legitimate credit checks. ... (FCRA), you have the right to one free credit report from each credit bureau every year.
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