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Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) is a federal law that governs the collection and distribution of consumer credit information. The Federal Trade Commission (FTC) is the regulating body which oversees this. Many information repositories, including credit reporting agencies, fall under the jurisdiction of the FTC.There are three primary reporting agencies in the country. They are Equifax, Experian and TransUnion. Under the FCRA guidelines, these agencies, also called credit bureaus, must adhere to several key stimulations in their business transactions. This requirement is designed to protect the consumer and to provide fair services.
One of the key mandates under the Fair Credit Reporting Act is that consumers are entitled to a free credit report from each of the credit bureaus every 12 months. These credit reports must be redeemed through the government authorized website found at annualcreditreport.com. No bureau credit scores are included. The credit reports don't have to be retrieved all at once.
There are other free credit report offers out there. Each of the credit reporting agencies has their own promotions. Some offer all three bureau credit reports for free with trial memberships. Some include credit scores. Most include some form of bureau credit monitoring. If an individual is interested in a more comprehensive solution in credit management or monitoring, these offers probably work out better.
Consumers have rights with regards to how their credit information is recorded and distributed. The Fair Credit Reporting Act sets the guidelines as to how this is performed. Consumers can look into more of the FCRA policies by going to the FTC's website.
*creditreportlogin.com and the Advertisers on this page are NOT affiliated to the annual free credit report program. If you want free annual credit report that is mandated by the FTC you need to visit Annualcreditreport.com.
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*This page lists several free product trials that contains credit reports and credit scores from all three credit bureaus, but on occassion products can be listed here that only provides one credit report and one credit score, please read the details carefully before you apply.
*Please note, that free credit report and free credit scores provided by our advertisers are free of charge with credit monitoring trial, each product has it's own trial duration. If you are not satisfied with the credit monitoring trial you can cancel anytime. And if you cancel within the trial period - you should not be charge for it. We have personally tried several products we advertised and have no problems cancelling them within the given trial period.