Credit Reports

Getting A Copy | Reading Your Report | How to Dispute Items on Your Credit | Protecting Your Credit | Credit Bureaus

Under the Fair Credit Reporting Act (FCRA) you are entitled to a free credit report within 60 days of being denied credit, employment, insurance, or rental housing based on information in the report.

You are also entitled to a free report once a year if you certify: you are unemployed and seeking employment; you are receiving public welfare assistance; or you believe your credit file contains inaccuracies resulting from fraud.

Otherwise, you will need to pay a fee for each report you request. Equifax, Experian (TRW), and Trans Union are the top three credit bureaus.