Free Credit Report

As a result of the FACT Act (Fair and Accurate Credit Transactions Act), each U.S. resident is entitled to one free copy of their credit report from each credit reporting agency once every twelve months.

This information is available at the credit bureau-operated http://www.annualcreditreport.com. However, this report does not contain credit scores. Mostly useless consumer "credit scores", not used by any businesses, are offered for purchase at the time these reports are generated. Many other commercial websites offer free credit reports; usually these sites attempt to steer consumers to pay for related services.