About Free Credit Reports
The major three credit bureaus are Experian, Transunion, and Equifax. These credit card reporting companies offers free credit reports upon request. The Federal Trade Commission ensures that once turned down for credit, the business is obligated to notify the requester that a free credit report can be requested because of credit denial.
Because of the trial membership of most of the credit reporting businesses, most credit score requesters anticipate having to pay for the monitoring service and assume that the credit card offer is not free.
When preparing taxes, taxpayers place attention on personal finances and credit scores and ways to improve credit. Credit reporting businesses profit during tax season and the Federal Trade Commission enforces fair credit card reporting advertisements.
The Federal Trade Commission by law requires credit reporting business to include a disclosure in the advertising of free credit reports. The credit reporting business must disclose that the consumer can get at free credit report by contacting any of the three credit reporting agencies, Experian, Transunion, or Equifax. Click on website AnnualCreditReport.com for more information about getting free credit reports. The disclosure of the availability of free credit reports from Experian, Transunion or Equifax must be on the top page of every free credit report offer.
Radio and television offers for free credit reports must have the disclosure as a part of the programming.
Credit reporting businesses has to disclose the availability of free credit report. Consumers should be aware of being asked to pay for the credit score that is also free from the three credit card reporting agencies. Any costs involved with obtaining a free credit report indicates that the credit report is not free.
Credit reports can be requested free if denied credit from a business. Free credit reports do not cost money.
Consumers should not be misled by online businesses, tv, radio, or advertisements through the mail offering free credit reports that are not free.
Click on www.ftc.gov/freereports for more information on free credit reports.
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