Fast Facts!
Did You Know?
Checking your own report and score is counted as a "soft inquiry" and doesn't harm your credit at all. Only "hard inquiries" from a lender or creditor, made when you apply for credit, can bring your credit score down a few points.
Who can order a credit report?
A Consumer may request his or her own credit report at any time. You may not request a credit report for another consumer. Access to a consumer's credit information is regulated by the Fair Credit Reporting Act ("FCRA"), and administered by the Federal Trade Commission. Obtaining a credit report under false pretenses, or improper use of a credit report is a violation of federal law.
Did You Know?
Negative records such as late payments and collection accounts will remain on your credit report for 7-10 years. You can keep your future finances healthy by spotting issues early.
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Free Annual Report: Our free credit offer is not affiliated with the annual free credit report program. Under a new federal law, you have the right to request a free copy of your credit report once every 12 months from each of the three nationwide consumers reporting agencies. To request your free annual report under that law, you must go to www.annualcreditreport.com |