Getting Your Credit Report Is Easy and Will Soon Be Free
Obtaining a copy of your credit report is easy and, thanks to Uncle Sam, it soon will be free.
That’s welcome news since it’s a good idea, especially before applying for a loan or other credit, to know where you stand by checking your credit report (which details how well you pay your loans, bills and credit card purchases).
Under legislation passed by Congress in December 2003 and new Federal Trade Commission rules, consumers can request a free copy of their credit report every 12 months.
Once you obtain your credit report, visit yourcreditcounts.com for tips on how to read and understand it – and on how to improve your credit standing, if necessary.
This Web site, sponsored by leading financial services company HSBC – North America, provides new tools and other valuable information about borrowing, saving and credit management.
The three major national credit bureaus – Equifax, Experian and TransUnion – are establishing a centralized source for accepting consumer requests for the free reports. That source will include a dedicated Web site, a...
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