What is in the Free Annual Credit Report?
The Credit Report provides all the information about you in your credit file maintained by a consumer reporting company that could be provided in a consumer report to a third party, such as a bank or other credit lender. The disclosure also includes a record of everyone who has made “inquiries” about you in a consumer report from the consumer reporting company within a certain period of time. The credit file disclosure includes certain information that is not included in a consumer report about you to a third party, such as the inquiries of companies for pre-approved offers of credit or insurance and account reviews, and any medical account information which is suppressed for third party users of consumer reports. Is this available in my state? The Free Credit Report is available in all states. How often can I receive this report? You are entitled to a free credit report from each of the nationwide credit bureaus once every 12 months. Of course, you may purchase a credit report at any
