The Fine Print - Fair Credit Reporting Act

Many products are available on the market such as: CreditWatch® and credit monitoring, credit score tracking, credit balance monitoring, credit balance based insurance and non-membership based Products such as the 3 Bureau Credit Report, Single Credit Report, Credit Report, Credit Score, and Free Credit Score.

But be Sure to read the fine print on sites under: Terms and Conditions..


The Fair Credit Reporting Act ("FCRA") allows You to obtain copy of all of the information in Your consumer credit file disclosure from the consumer reporting agencies including Experian, Equifax and Trans Union for a reasonable charge.

The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances:

• You certify in writing that You are unemployed and intend to apply for employment in  the next 60 days;
• You are on public welfare assistance
• You have reason to believe that Your file at the consumer reporting agency contains inaccurate information due to fraud
• You have been denied credit, insurance, or employment within the past 60 days as a result of Your credit report.

The FCRA also permits consumers to dispute inaccurate information in their credit report without charge. Accurate information cannot be changed. You do not have to purchase Your credit report or other information from CreditReport.com to dispute inaccurate or incomplete information in Your credit file maintained by Experian, Equifax or Trans Union. For more information see the FCRA Summary of Rights.

Beginning December 1, 2004, the FCRA allows consumer to get one free comprehensive disclosure of all the information in their credit file from each of the credit bureaus once every 12 months through a central source. Georgia residents can receive two disclosures per year.

To request Your free annual report under the FCRA, You must go to:

www.annualCreditReport.com. You can also contact the central source to request this free annual disclosure by calling toll free (877) FACTACT or by using the mail request form available at the central source web site. The services at this Site are not related to the free FCRA disclosure that You are or may be entitled to.Consumers residing in the states of Colorado, Maine, Maryland, Massachusetts, New Jersey, and Vermont may receive an additional free copy of their credit report once per year and residents of the state of Georgia may receive two (2) additional copies per year.

For Illinois residents, credit reporting agencies are required by law to give You a copy of Your credit record upon request at no charge or for a nominal fee.

30 Days For A Batter Credit 

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