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Office of Consumer Protection

Credit Reports

Have you checked your credit report lately? Each of the nationwide consumer reporting agencies are required to provide you with a free copy of your credit report, upon your request, once every 12 months. The Federal Trade Commission (FTC) advises consumers who order their credit reports online to use because it is the only authorized online source for consumers to obtain their credit report. The FTC has received complaints from consumers who responded to advertisements for obtaining their credit card report and found these websites either charged for the service or required the consumer to purchase other services in order to get their "free" credit report.

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