The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies.The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide credit reporting company needs more information to verify your identity.
To buy a copy of your report, contact: A: It’s up to you.
A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy.
Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
Credit report inaccuracies could slow loan processing.
A credit report is often the first place people detect identity theft.
Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell in the hope that you will mistype the name of the official site.