Fair Credit Reporting Act Disclosure

Under the Fair Credit Reporting Act, anytime you want to review your credit report, the credit bureaus are required to provide it for you. This does not; however, mean that they have to do it for free. Depending on your state’s law, each credit bureau is only required to provide a set number of free credit reports to you each year. The states that have made free credit reports available to consumers (in addition to the Federal law) are: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont. You can get free credit reports if you are denied credit based on the information supplied in the credit report; you are the victim of identity theft; you are on public assistance or you are unemployed and looking for employment in the next 60 days. While you may be entitled to a free credit report, this does not mean that the credit bureau is required to supply you with a free credit score. These are two separate things and you credit score will cost you an additional amount.