To obtain FREE credit reports from all three major credit bureaus:  A federal law, the Fair and Accurate Credit Transactions Act of 2003—the FACT Act, requires that credit reporting agencies must provide one free credit report every twelve months. The official web site is

For more information about credit reporting and credit scores: Go to:

You can also obtain all three credit reports and FICO scores for a one-time fee of about sixty dollars by going to:

For additional information about credit reports:  Go to the Federal Trade Commission’s web site –  Click on the Get Your Free Credit Report button on the right side.

The three major credit bureaus and their contact information are:

EQUIFAX— 800-685-1111

EXPERIAN (Formerly TRW)— 888-397-3742

TRANSUNION— 800-888-4213

Credit Repair Scams

The Consumer Financial Protection Bureau warns: How to tell a reputable credit counselor from a bogus credit repair company – There are counselors who can help you with your credit report, and others who take your money but don’t help you. Warning signs for credit repair scams include companies that ask you to pay before providing services. The company may claim that it can guarantee a specific increase in your credit score or get rid of negative credit information in your credit report, even though the information is accurate and current.  Additional information can be found at:

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