In order to understand what a FACT ACT annual free report really is, you first need to know what on Earth the FACT ACT is, right? This piece of legislation that was signed into law in 2004 now gives consumers the right to access their credit reports from the three major credit reporting agencies, Equifax, Transunion and Experian once every twelve months. Before the law was signed into effect, you had to pay a set fee in order to access all the information that is kept in your credit file. Not anymore.

The problem that many seem to have when it comes to getting their FACT ACT annual free report is the amount of sites and ads all stating “Get your free credit report here!”. Needless to say, this can be quite confusing and, unfortunately for many also costly. A lot of sites will advertise a free credit report but in reality when you sign up to get yours, you may find yourself enrolled into something that you may not want. So consider yourself fortunate that you have landed here because here is the straight up information.

In order to get your FACT ACT annual free report all you need to do is to go to That’s all that is needed. Under the FACT ACT, all three of the major credit reporting companies established this site so that consumers can access their reports. The site is no nonsense and all the instructions are spelled out clearly. No fine print, no sales pitches and certainly no enrollments into any type of credit program. The only thing you need to be aware of is that if you request your free credit report by phone or by mail, it may take up to 15 days for it to arrive. If you want it instantly, use the online option and then just print out.

Click to View Your Report

Now the question that you should be asking is “What should I do with my FACT ACT annual free report?”

And it’s a simple answer. Take you time to review the information and make sure it is accurate. Make sure all the accounts listed belong to you. A good habit to get into, is to get your FACT ACT annual free report from each of the three credit reporting agencies on a rotating basis. This way you can actually set up your own credit monitoring program. Now if anything shows up on your reports that is not related to you, you immediately need to call the credit reporting agency and file a dispute. Just make sure you have all your documentation ready.

If you need help in filing a dispute or you aren’t quite sure of the process, has all the resources that you are going to need.

Now aren’t you glad you found this brief article on the FACT ACT annual free report? Just think, now you have the correct information so that you can get credit reports and not endure any hassles whatsoever.

Click on the button below and get your credit check report with free scores and start monitoring your credit!

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