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Free Credit Report

Q: I have had some financial problems in the past and want to know what my credit score is before I go into a dealership to buy a new car. Where can I get this information?

A: The consumer reporting companies (TransUnion, Equifax, and Experian) are required under the Fair Credit Reporting Act to supply you with a free annual credit report. You can request a credit report every 12 months. To obtain your credit report, go to the collaborative website set up by these companies at www.annualcreditreport.com or call 1-877-322-8228. Be careful to only use this site. According to the Federal Trade Commission there are imposter sites on the internet that advertise free credit reports. For more information about the Fair Credit Reporting Act, go to FTC.gov.