You may be eligible to receive a free copy of your credit file from all three credit bureaus below. You should always check your credit file to make sure there are no inaccuracies being reported since that can dramatically lower your credit score.

To see if you qualify for your free report per the FACTACT please visit: www.annualcreditreport.com


The 3 Major credit bureaus are:

Equifax
www.equifax.com

Trans Union
www.transunion.com

Experian
www.experian.com

Use the following links to research your credit rights. These laws will help you have a better understanding of what can legally be done to improve your credit rating and also what the creditors are not allowed to do to hurt your credit rating or harass you about your debts.


Fair Credit Reporting Act - FCRA

Fair Debt Collection Practices Act - FDCPA

Equal Credit Opportunity Act - ECOA

Credit Repair Organizations Act - CROA