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In June, 2004, the Federal Trade Commission (FTC) ordered the three nationwide consumer reporting agencies (Equifax, Experian, and Trans Union) to begin providing consumers with free annual credit report. This FTC rule was made under the Fair and Accurate Credit Transactions Act (FACTA), enacted December 4, 2003, which amended the Fair Credit Reporting Act (FCRA).
There are 3 ways to get your report:
Additional services. You may be asked if you want to purchase other services--such as your credit score or alerts to changes on your report--but you do not need to purchase any other product in order to receive your free credit report.
Caution: Do not count on your credit report to list all of your debt. Credit reports generally list credit which has been reported to them by their client lenders. If you owe money to a creditor that does not report to a credit agency, that debt may not be reported.