Living the Frugal Life

According to the Fair and Accurate Credit Transactions Act of 2003, consumers are allowed to request and obtain a free credit report once every twelve months from each of the three nationwide consumer credit reporting companies - Equifax, Experian, and TransUnion.

In cooperation with the Federal Trade Commission, the three major credit reporting agencies set up the website, annualcreditreport.com, to provide free access to annual credit reports.

Some states already offer a free annual credit report from each of the three agencies. Residents of Colorado, Maine, Massachusetts, Maryland, New Jersey and Vermont are entitled to one free series annually. Georgia residents are entitled to two free annual credit reports from each credit reporting agency. Colorado

AnnualCreditReport.com is the most trusted website to use for your annual credit report. You can purchase your credit score at the same website while you are requsting your annual credit report.