The federal Fair Credit Reporting Act (FCRA) requires that U.S. consumers be entitled to a free credit report each year. The government’s goal is to make sure that consumers stay informed, fight identity theft, and get fair treatment.
You can also call the major credit agencies directly and ask about a free credit report. However, the FCRA-mandated “Annual Free Credit Reports” are only available through the website and phone number above. In other words, you might have to pay if you contact a credit agency directly.
I cannot overemphasize that the only way to get your annual free credit report is by using the organization above. If you go any other route, you may have to pay or subscribe to a private service.
is a link to the FTC.gov site about it.
I looked at my credit report and found a few suspicious items that my ex-wife is responsible for.