How do I get my free credit report?

In 2003, the government passed legislation (FACT Act) that provides consumers with access to their credit report from each of the three credit bureaus once per year free of charge. You can receive your government mandated credit report at AnnualCreditReport.com. This is the only site that provides the annual free credit report mandated by the government - be wary since many sites try to imitate the government mandated site.

It is important to note that your credit score is not included in your credit report. Many people expect to find this numerical interpretation as part of their free credit report and end up paying other services to access their credit score.

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