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A Free Annual Credit Report entitlement is in place for every U.S. consumer.

The FCRA Law was created to provide protection to all U.S. consumers. As a result, the Free Annual Credit Report industry was born. Unlike a business credit report, an individual’s credit rating is calculated using the contents of this report. It just makes sense that you may want to know what’s in it, and to take steps to correct erroneous information before it affects your creditworthiness.

What is a credit file disclosure or a free credit score report?

A credit file disclosure is commonly referred to as a credit report.  Credit bureaus archive all consumer information about you in what’s called a credit file. This information is gathered from anyone you do business with, such as lenders, Department stores, and credit card companies.

There are three agencies that are responsible for most of , if not all of the nation’s consumers’ credit scores. They are Equifax, Transunion LLc and Experian. An Equifax Credit Report would originate from the Equifax Agency.

Three Credit Report

Since there are 3 companies that compile these bits of information, it stands to reason that you should receive 3 free credit reports, one from each. They all have differing information even though they should be “talking” to each other.

Some consumers use this to their advantage by requesting a free annual credit score every 4 months, each time from a different agency.

What The Blogs Are Saying

Free Annual Credit Report Businesses to Be Aware Of | WITHOUTDEBTS.COM

Steven Feldman wrote an interesting post today onHere’s a quick excerptThere are numerous free annual credit report scams out there online that many people are.

Publish Date: 05/27/2010 12:34

http://www.withoutdebts.com/without-debts/free-annual-credit-report-businesses-to-be-aware-of/

How do I obtain a free credit report from each of the major credit …

Visit AnnualCreditReport.com (the only authorized site to fill orders for the free annual credit report you are entitled to under law) 2. Call 1-877-322-8228 and request your free credit report 3. Complete the Annual Credit Report …

Publish Date: 05/27/2010 14:19

http://3-in-1-creditreport.net/how-do-i-obtain-a-free-credit-report-from-each-of-the-major-credit-bureaus.html

Important Info About Your Free Annual Credit Report

In 2003, Congress passed a law that made an amendment to the Fair Credit Reporting Act that requires each of the three credit reporting agencies (Trans Union, Experian, and Equifax) to provide you with a free annual credit report. …

Publish Date: 05/24/2010 16:16

http://www.internet-9.com/computers-internet/make-money-online/important-info-about-your-free-annual-credit-report/

Free annual credit report ? Know your financial status

If you want to apply for a loan, a free annual credit report is an inventory that outlines all your repayment activities, shows the number of debts you have and the rates you are paying on the loans borrowed. …

Publish Date: 05/23/2010 18:38

http://www.credit-card-services-online.com/credit-articles/free-annual-credit-report-know-your-financial-status/

How Do I Get My Free Annual Credit Report?

Since you are entitled to receive a free annual credit check file from each consumer reporting agency, it may serve you well t0 know how to obtain this. First, the “Big Three” got together and produced a website called annualcreditreport.com. This was done, possible at the Feds urging. Here, you can request your free annual credit report online and be able to view it immediately.

QUESTION: Sometimes it’s not possible to request a report online, whats a person to do?

Two other things. First you may request your free annual credit report and score by telephone at 1-800-821-7232. Deaf and hearing impaired consumers can access their TDD service by calling 7-1-1 and referring the Relay Operator to 1-800-821-7232.  Secondly, it may be requested by mail from the below mailing addresses: