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Fair Credit Report
The Fair Credit Reporting Act (FCRA) is a federal legislation that governs and regulates the collection, organization and distribution of consumer credit related information. More recently, an amendment called the Fair and Accurate Credit Transactions Act (FAST Act) entitles consumers to a free copy of each of their bureau credit reports from AnnualCreditReport.comThese two laws are overseen by the Federal Trade Commission (FTC). The purposes of these two laws are to protect and provide consumers with fair credit reporting practices. They are mainly addressed to credit reporting agencies who collect and disseminate credit related information.
CreditReportFiles.com and the featured sponsors on this page are NOT affiliated to the annual free credit report program. According to FTC(via ftc.gov), everyone has the right to receive a free copy of their credit report once every year from each of the three nationwide consumer reporting agencies. To get your free annual report with respect to this law, you need to visit www.annualcreditreport.com.
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