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Under the Fair Credit Reporting Act (FCRA), consumers are entitled to full disclosure of their credit histories every 12 months. The disclosures can be retrieved from Equifax, Experian and TransUnion through the website AnnualCreditReport.com. The offer does not include access to consumer credit scores.Consumer credit file disclosures include a list of all things credit related. Credit cards, bank accounts, loans, liens, public records, and any other financial obligations are noted. From the information, creditors and lenders are able to determine how creditworthy and individual is. It is important to make sure everything on your credit has been reported accurately.
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