The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.
Why get a free credit report? Regularly checking your credit can help minimize the impact of identity theft and fraud. Identity thieves often fraudulently use consumers' information—such as name or Social Security number—to open new lines of credit in another person's name. Then, when they don't pay the bills, the delinquent activity can show up on the victim's credit report and impact that individual's credit score*. Inaccurate information can affect one's ability to get credit, insurance or even a job.