Where Can I Get My Free Credit Report?

19 Mar Where Can I Get My Free Credit Report?

In 2003 Congress enacted the Fair and Accurate Credit Transactions Act which requires the big three credit reporting bureaus to supply every consumer with one free credit report a year. However, while the reporting bureaus do in fact make the free credit reports available, they have also used this law as an opportunity to market services such as “credit monitoring”.

Credit monitoring services generally offer unlimited access by a consumer to his credit report and credit score as part of a monthly service that alerts the consumer each time a lender checks his credit history. A monthly charge is paid for the service.

Whether credit monitoring is a good or bad thing is a topic for another day. The reality is that many consumers are looking for their free report and end up being tricked into paying for services they didn’t want.

The only site that truly provides you with the free credit report required by the 2003 act is AnnualCreditReport.com. This is the site maintained jointly by Experian, TransUnion and Equifax.

Many sites are out there that imply that they give you access to your free report. Do not be fooled into spending money you don’t have to for your credit report.

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I've been a consumer bankruptcy lawyer for nearly 25 years. Since that time I have helped many people resolve their financial problems. I have been practicing law since 1986 and I am licensed to practice in all state and federal courts in the State of Louisiana. Because I am a sole practitioner, you know that your debt matters are being handled by me personally. In addition to my work with consumers, I am also frequently asked to speak at local seminars on bankruptcy law. I am member of the following organizations: • Louisiana Bar Association • National Association of Consumer Bankruptcy Attorneys • Bankruptcy Law Network My office is located at: 3920 General DeGaulle Drive, New Orleans, LA 70114 Telephone: (504) 368-4101

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