Explains Consumers' Rights to Annual Free Credit Reports

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Credit monitoring services company advises consumers what they can expect when obtaining the personal credit report they're entitled to per the Fair Credit Reporting Act. is helping to educate consumers about The Fair Credit Reporting Act (FCRA), enacted by the Federal Trade Commission, that states that consumers can obtain their personal credit report for free once per year from each of three major credit reporting agencies (Experian™, Equifax™ and TransUnion™), thus ensuring the consumer’s right to an annual free credit report without enrolling in a credit monitoring service.

“The Fair Credit Reporting Act is an important piece of legislation designed to protect the consumer’s right to an annual free credit report,” said Samuel S. Ambrose, Vice President of Marketing and Operations of “ advises consumers to regularly obtain their personal credit report and monitor it for any important changes. By allowing people to access their own information for free once a year, they are able to get a birds-eye view of how they are seen in the eyes of potential creditors.”

While allowing consumers to obtain their personal credit report at no cost once per year, the credit reports associated with the FCRA do not include important credit scores. Additionally, if the consumer wants to check their credit reports more often than once a year they will need to purchase additional reports.

“Many people access their credit reports to ensure that there are no inaccuracies or unexpected inquiries into their credit records,” said Ambrose. “Being that not every creditor reports to all three credit bureaus, we do recommend that consumers obtain their personal credit report from each bureau at least quarterly and participate in a credit monitoring service so they can be alerted immediately to any changes in their report.”

For consumers who do not want to participate in a free trial of its credit monitoring service, was the first in its industry to allow customers to purchase their credit report whenever they want for a low price, with no negative impact on the consumer’s credit score. This offer, which calls “No Strings”, began in January.

Since 2004, has specialized in providing credit information and credit monitoring services to consumers to help them improve their personal credit report and prevent identity theft. encourages consumers to obtain their personal credit report and review it on a regular basis.

Allison Tomek


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