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Free Credit Reports A credit file disclosure provides you with all of the information in your credit file maintained by a consumer reporting company that could be provided by the consumer reporting company in a consumer report about you to a third party, such as a lender. A credit file disclosure also includes a record of everyone who has received a consumer report about you from the consumer reporting company within a certain period of time ("inquiries"). All information on this web site is deemed accurate and reliable however it is not guaranteed. © 2005-7 Penny O'Brien. All Rights Reserved.
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Federal laws now mandate that every consumer is entitled to a free credit report once every 12 months from each of the nationwide credit reporting bureaus: Experian, TransUnion and Equifax. Eligibility for the credit report is determined by state of residence on a rollout schedule set by federal law. To get your credit report go to: