Guide Note

The Fair Credit Reporting Act guarantees that borrowers can acquire a free copy of their credit report from each of the three consumer reporting agencies once every 12 months. Borrowers can also request a free copy if they are turned down or offered reduced services for credit, employment, housing, or public benefits based on a credit report.

Fast Facts

1. Three consumer reporting agencies:
   • Equifax
   • Experian
   • TransUnion
2. If you order a second report from a consumer reporting agency within a 12 month period you may be charged up to $9.50
3. There is no need to pay for credit monitoring or any other additional services to get a free credit report

Don't Get Scammed!

Many organizations advertise free credit reports. These sites are not authorized under the Fair Credit Reporting Act to give you a free credit report, and will charge you for other services if you try to obtain your report. For instructions on how to get a truly free credit report, see Mahalo's How to Get a Free Credit Report page.

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