Did you know you can get your credit reports for free? The three Nationwide Credit Reporting Agencies– Equifax, Experian, and TransUnion–are continuing to offer free weekly credit reports through AnnualCreditReport.com. This free service was first introduced at the onset of the COVID-19 pandemic to help consumers protect their financial health during the sudden and unprecedented hardship caused by the public health emergency. It has since been permanently extended by the NCRAs so consumers can check their credit history more often and better understand their financial data.
The companies' CEOs provided a statement on the availability of free weekly credit reports back in 2023, saying: "We maintain a shared commitment to building consumers' financial capabilities and are dedicated to helping increase financial access for people across the United States," said Mark W. Begor, CEO Equifax; Brian Cassin, CEO Experian; and Chris Cartwright, CEO TransUnion. "The ongoing availability of free weekly credit reports is another way that our industry is supporting consumers as they make financial decisions. We recognize the important role that credit reports play in people's financial lives and encourage consumers to regularly check their credit history – an important way of understanding their current credit position and preparing for important future financial milestones."
Consumer credit reports are a factual record of credit activity and payment history used by lenders, creditors, service providers and other businesses to extend financial opportunities and other offers to people. Consumers can access their free credit reports each week from each of the three credit reporting agencies at www.AnnualCreditReport.com. Consumers should review all items appearing in each section of their credit reports. If an error is identified, consumers should contact the credit reporting agency immediately to correct that information.
For more information, visit www.AnnualCreditReport.com.
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