Free Credit Report

The Fair Credit Reporting Act of 2003 (FCRA) requires each of the three credit reporting bureaus to supply all Americans with a free credit report once per year. Federal law also entitles consumers to receive free credit reports if any company has taken adverse action against them. This includes denial of credit, insurance or employment as well as reports from collection agencies or judgments, but consumers must request the report within 60 days from the date the adverse action occurred. In addition, consumers who are on welfare, people who are unemployed and plan to look for a job within 60 days, and victims of identity theft are also entitled to a free credit report from each of the reporting agencies.

To receive a free credit reports, go to this web site: www.annualcreditreport.com