- You are entitled to one credit report every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
- The official place to get them is at AnnualCreditReport.com.
- You can also obtain your credit report any time you have been denied for a loan, a job or an insurance policy based on your credit history.
In this economy people are more and more concerned with keeping up their credit and it seems like, of course, companies are looking for ways to profit from this. But if you know your rights you can avoid paying a monthly fee.