How to get your credit report and credit score

Prior to 2003, consumers who were interested in reviewing their credit file disclosure (commonly called a credit report) either had to pay a fee, live in one of the states with state-mandated free reports, or have been denied credit. However, at the end of 2003, the Fair and Accurate Credit Transactions (FACT) Act, which amends the Fair Credit Reporting Act (FCRA), was signed into law. This act gives every American consumer the right to a free annual credit report from each of the three major credit bureaus: Equifax, Experian, and TransUnion. To facilitate the credit report request process, the three credit reporting agencies collaboratively developed a Web site, AnnualCreditReport.com, where consumers can request a copy of their credit report from each of the credit bureaus (alternatively, you can call 877.322.8228). You can order all three credit reports at the same time, or choose to order one at a time throughout the year.

Learn more about getting your free credit report and credit score.