Free Credit Reports For All Californians

California residents were among the first consumers in the nation to benefit from the Fair and Accurate Credit Transactions Act. The new law, enacted primarily to protect consumers from identity theft, requires the three major credit reporting agencies-Experian, Equifax and TransUnion to, when requested, provide consumers with one free credit report every 12 months.

Rather than receiving a credit report from all three credit reporting agencies at the same time, keep current on your credit status throughout the year by alternating your requests. For example, check your credit information with Experian in January, Equifax in May and, finally, TransUnion in September. If your credit report contains inaccurate information, contact the credit reporting agency immediately.

To order a free credit report, visit www.annualcreditreport.com or call Annual Credit Report Request Service toll-free at (877) 322-8228.