Be Sure To Get Your Free Credit Report!!

The federal, Fair Credit Reporting Act (FCRA), requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide U.S. Consumers with a free copy of their credit report, upon request, once every 12 months.

Your credit report has information about your regular credit lines, such as department store cards, auto loans, mortgages, and credit cards; collection accounts; court records, including but not limited to, bankruptcies, judgments, liens, and child support, and finally potential creditor inquiries.

Information your credit report contains, like your bill-paying history, the number and the types of accounts you have, and matters of public records, affects whether you can get a loan, and if you can, the percentage of the interest rate you will have to pay. Therefore, you certainly want a copy of your credit report before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job to make sure the information is accurate, complete, and up-to-date. Obtaining your FCRA-mandated free credit report will also help guard against identity theft.

To request your free annual credit report, visit annualcreditreport.com, or call 1-877-322-8228.

Gokhan Yazici

Gokhan Yazici is an experienced attorney and counsellor practicing in the state of New York. He is specialized in U.S. Immigration Law, Corporate & Business Law, Business Transactions, Commercial Litigation, International Trade & U.S. Customs Law. Mr. Yazici holds an LL.B. degree from Istanbul University Law School and an LL.M. degree from Temple University James Beasley School of Law.