Check Credit at No Cost
According to federal law you are entitled to obtain free copies of your credit reports once a year from each of three major credit reporting agencies which include Experian, Equifax and TransUnion. The rule, part of the Fair and Accurate Credit Transactions Act, was rolled out across the United States in the past year and know includes the Eastern States.
The Free Credit Report contains payment histories, personal information, loan balances, whether you've been sued, arrested, or filed for bankruptcy, but it does not include your credit score.
Be sure to use the one official web site for requesting free reports annualcreditreport.com or you can call 877-322-8228. The official site can also be accessed through the Federal Trade Commission's web site at http://ftc.gov/freereportswhich has a link to the correct web site.
Always be sure you are at the correct web site as imposters are always popping up on the web. Remember that pop-up ads or emails you receive that claim to be the official web site are likely scams. Keep in mind that the credit companies themselves may try to sell you other services that you may not necessarily need.
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