Free Credit Report Bird I View

The law is part of the Fair and Accurate Credit Transactions Act or FACT Act and was signed into law by President Bush on December 4, 2003. Simply stated, it allows consumers to review their credit report once a year at no cost.

The 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. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

The only website that will offer you the peace of knowing you are getting the true value of a free annual credit report you are entitled to under law is at FreeCreditReport.com. Other websites only claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring”. To get a free copy of your credit report just visit:
Get your FREE credit score and more!