Whey Annual Credit Report is so important

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. The law allows any U.S. consumer to access their free annual credit report once from each and any agencies over a 12 month period. That means you can get a copy from Trans Union in January, a copy from Equifax in May, and a copy from Experian in July, or get all three at once if you like.

What's important to note is that there is only one, official freeannualcreditreport.com website that is authorized to provide you with this information at no charge. There are many sites that look and sound familiar to the official site, but they do not actually provides your information for free. If you end up on a different website unintentionally and are offered a copy of your credit report for free, be sure to stop and read the fine print.

The alternative sites may offer you a your report for free, but only with a the purchase of another one of their products of by signing up for a trial offer, which you will end up paying for every month after the trial period until you cancel the subscription.

As you are working to clean your credit report or fix your credit score, don't get duped into paying for a service you didn't intend to join. The official free Annual Credit Report website may offer additional service, but does not require you to accept those offers to obtain your free annual credit report.

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Article Source: EzineArticles.com

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