Major credit reporting agencies must provide consumers with free copies of their credit reports every twelve months.

Question

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This is mandated by the Fair Credit Reporting Act (FCRA). Therefore, major credit reporting agencies such as Equifax, Experian, and TransUnion must provide consumers with one free copy of their credit report every twelve months upon request. Consumers can also obtain their credit reports from these agencies through AnnualCreditReport.com, a centralized service for requesting free credit reports from each agency once a year.

Major Credit Reporting Agencies Must Provide Consumers with Free Copies