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Whether or not this is actually true is debatable, but your credit score is still important nonetheless. Your credit score determines a good portion of what you can and cant do in life and it pays to be informed. In 2003, an amendment was made to FACTA, the Fair and Accurate Credit Transactions Act, which now forces the three nationwide consumer reporting companies to provide you with a credit report and score free Missoula copy of your credit report free of charge. oregon free credit report

Upon request, each of the three credit bureaus (Equifax, Experian, TransUnion) must by law give you a copy of your credit report once every twelve months. In order to maximize efficiency, its recommended that you stagger your credit reports, requesting one every four months. This allows you to maintain a general credit report and score free Missoula idea of where your credit score stands while keeping an eye out for any mistakes on your record.