The FCRA mandates that TransUnion, Experian, and Equifax maintain accurate and private records of consumer credit information. Under the FCRA, you can request one credit report from each credit reporting company one time every 12 months. ![]() Congress passed the FCRA to protect consumers against unscrupulous creditors that charge ridiculously high-interest rates on loans and credit cards. The Fair Credit Reporting Act (FCRA) requires each of the three major credit reporting companies (Experian, Equifax, and TransUnion) to provide consumers with a free credit report promptly upon request. To learn how to obtain your free credit report, you first have to understand your rights under credit reporting law. Let’s review how to check your free credit score in 2017 Rapidly changing laws that applied to obtaining credit reports 10 years probably have little, if any relevance in 2017. The increasing importance of credit reports means you have to stay on top of your credit score. ![]() Even potential employers review your credit report to determine your credentials for an open position.
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