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CAN I GET A FREE CREDIT REPORT?

Did you know federal law provides consumers with the right to receive one free credit report (annual file disclosure) from all three nationwide consumer reporting agencies, Experian, Equifax and Trans Union, once in a twelve month time period?  The Fair Credit Reporting Act (as amended by the Fair and Accurate Credit Transactions Act) gives consumers the right to a free credit report once in a twelve month period – NOT once per year.  See 15 USC 1681j.

The federal law also requires Experian, Equifax and Trans Union to maintain a central source for consumers to be able to make a request for all three credit reporting agencies’ report by phone, mail and internet (a 3-in-1 source, if you will).  The internet website is www.annualcreditreport.com  This website is required by federal law, so don’t be fooled by websites with similar names or that mention you can get a free credit report in their TV ads!

We are dedicated to protecting the rights of consumers under the Fair Credit Reporting Act (FCRA) and other consumer protection laws.  If you have requested your free credit report from Experian, Equifax or Trans Union, and they charged you for it, failed to send it to you, or did not give you the report within 15 days of your request for a free annual disclosure, then you may entitled to recover damages.  Contact consumer protection attorney Micah Adkins for a free legal consultation.