You can order a copy of your credit report from one of the three major credit reporting agencies: Equifax, TransUnion or Experian. It is important to know that the three credit bureaus do not share information with each other so your credit profile will vary from credit bureau to credit bureau. For example, you might find that one credit bureau has considerable information about you, while another has very little information about you. For this reason, it is recommended that you order your credit report from each credit bureau so you know what information each one has on you.
Are You Entitled to Receive a Free Copy of Your Credit Report?
Congress passed legislation in 2003 requiring each of the three credit bureaus to give all citizens one free copy of their credit reports each year. Click here to find out how to order your free credit report under the FACTA law.
If you have already used the FACTA law to get a free credit report this year, but need another free credit report, use the following guidelines to determine if you are entitled to receive another free copy of your credit report. You are entitled to request a free credit report for any reason below:
(1) You are unemployed and intend to apply for employment within 60 days;
(2) You are living on public welfare assistance;
(3) You believe your credit report contains inaccurate information due to fraud or identity theft; or
(4) You have been the subject of adverse action, such as denial of credit, housing or insurance, within the past 60 days. Note that you are entitled to receive a free report only from the credit bureau that provided the negative information resulting in your denial of credit, housing, insurance, or employment, and not from all three credit bureaus).
Our credit kit includes sample letters requesting a free credit report based on reasons (1) through (4) above. When you request a copy of your credit report, you will probably be asked to submit proof of your eligibility to receive a free credit report, such as a copy of documentation proving your unemployment status, your recent denial of credit, or that you are receiving public assistance. If you have such proof, go ahead and attach a copy of it with your request if you're making your request by mail.
If I Can't Get a Free Credit Report How Much Does It Cost to Buy A Copy of My Credit Report?
As referenced above, everyone is entitled to a free credit report each year under the FACTA law. If the FACTA law does not apply and you are not entitled to a free credit report based on reasons (1) through (4) outlined above, you will have to pay for a copy of your credit report. For example:
If you live in Maine or Minnesota the cost is $3.00.
If you live in Connecticut the cost is $5.00.
If you live in California the cost is $8.00
If you live in any other state not mentioned above the cost could be $8.00 or higher.
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