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Your Credit Report Bill of Rights

  • You have the right to 1 free credit report a year from TransUnion, Experian & Equifax
  • You have the right to order your reports free at annualcreditreport.com, the official bureau site
  • You have the right to buy your credit scores at any time
  • You have the right to avoid being taken by "free" report sites with lots of fine print
  • You have the right to free reports if you’ve been turned down for credit in the last 60 days
  • You have the right to free reports if you are looking for employment
  • You have the right to protect your credit by having errors removed from your report



In your financial life, few things figure as prominently as your credit report and credit score. Learning the basics of the credit report process, and keeping your credit report free of errors, is essential to good financial health. You should focus on improving your credit score as the highest credit scores receive the best interest rates and loan terms. On a mortgage, a difference of 100 points could be worth hundreds of dollars each month.

Since 2005, all Americans have the legal right to obtain a free annual copy of their credit report from TransUnion, Equifax and Experian credit reporting bureaus. This law is intended to help consumers reduce errors in their credit reports by minimizing the obstacles to viewing credit reports. To receive a free credit report visit the official site run by the bureaus: annualcreditreport.com

Your personal credit score is a number from 350-800 which stands for your credit risk. The higher numbers are considered less likely to default. Credit scores come from mathematical formulas that measure many variables in your credit report such as payment history, public records, and debt to income ratio.

The Fair and Accurate Credit Transaction Act (2003) amendment to the FCRA Fair Credit Reporting Act guaranteed all Americans the right to see their credit report once a year to check it for errors. To learn more about free credit, credit scores and financial terminology, visit our glossary page.