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Under the Fair Credit Reporting Act, amended a few years ago to beef up consumer privacy rules, you are legally entitled to obtain your credit report from a
credit reporting agency. This includes receiving a list of everyone that has requested your report.
If you are denied credit based on information in your credit report (the creditor must provide a reason for denial), you have 60 days from the day you receive a denial notice to
receive a free copy of the credit report.
Starting in 2004, the law also entitles you to receive a free credit report every 12 months. Of course, you can also pay to obtain a credit report anytime. The three major credit
reporting agencies, or credit bureaus, are Equifax, Experian and Trans Union (Dun & Bradstreet Credit Services provides credit reports of businesses):
| Equifax | Experian | TransUnion |
| (800) 685-1111 | (888) 397-3742 | (877) 322-8228 |
| Basic fee: $10 | Basic fee: $10 | Basic fee: $10 |
A few states, including California and Connecticut, cap the fee at a slightly lower level.
Credit bureaus also offer a variety of bundled services related to your credit report. For example, all three credit bureaus presently offer a combination of your credit score and
credit report for $14.95 - $15.50.
The Fair Credit Reporting Act also entitles you to contact each or all of the major credit bureaus (and Innovis, a fourth credit bureau) and request them to stop sending you card
solicitations and related offers. For more information, call 888-5OPTOUT (567-8688).
Return To Credit Report Education
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