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Is there a truly free method of obtaining my credit reports? Some companies advertise "free" credit reports, however these services come with fees or the purchase of other services.
Fair Credit Reporting Act (FCRA)
requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months. While some companies may offer to provide you with free credit reports, the Federal Trade Commission-sponsored
website is the
authorized source for the free annual credit report that's yours by law. Visit the
site to learn how you can obtain your credit report.
Monitoring your credit reports is an important tool to help you prevent and detect identity theft. For information on steps you can take to prevent identity theft, visit the
Minimize Your Risk
section of the
Federal Trade Commission's (FTC) Identity Theft
website. Further information is available on the
In the Spotlight: Identity Theft
Crime: Identity Theft
sections of our website.
November 23, 2011
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