Financial Planning for Generation X & Y Women
 
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Expert Q&A Archive

04/17/2008
How many credit reports are free per year?
How many credit reports are free per year?
Delores Lenzy - Jones, CPA, CIA:
expert info »
Generally one from each of the credit reporting agencies.

Gary Silverman, CFP:
expert info »
One per year. However that's for each of the three credit reporting agencies. Since they tend to contain similar information, I suggest spacing them so that you get one every four months.
Sharon P. Hardy, CFE:
expert info »
Every person, upon request, is allowed one free credit report annually from each of the credit reporting agencies.
Federal law (Fair Credit Reporting Act) allows individuals to receive one free credit report from each of the three credit reporting agencies annually. In a few states (for example, Georgia), state law allows individuals to receive two free copies each year.
Editor's Note:
The Federal Reserve Bank of San Francisco has a brochure entitled Your Credit Report at www.frbsf.org/publications/consumer/creditreport.html.

The Federal Trade Commission also has publications on credit, including credit reports and scoring, at www.ftc.gov/bcp/menus/consumer/credit.shtm.