As a U.S. Citizen, you can get a Free Credit Report No Credit Card Required. You can make this request every 12 months from the top 3 consumer credit reporting agencies: Experian, Equifax and TransUnion. This is made possible under The Fair and Accurate Credit Transactions Act (FACT Act).

Now you don't have to spend a dime to get your Free Credit Report No Credit Card Required. Experian, Equifax and TransUnion is directly sponsoring this - so you won't be dealing with any middleman to receive your 3 free credit reports.

When you receive your credit report, you're legally entitled to dispute errors and mistakes that you disagree with. Be Advised: It is the your creditor's responsibility to provide written proof that you have outstanding debt with them. Creditors have a limited amount of time to provide proof of debt (around 45 days or so once your dispute is filed). If they do not provide written proof that you owe the alleged debt within the time allowed to them, then that negative item must be eliminated off your report. That is credit law!

Another reason to check your credit report is because outdated items could be there that should have been long gone. Generally, negative items should be automatically removed from your credit after Seven years and bankruptcies Ten. But sometimes this does not always take place . View your Credit Profile today. You can get a copy of your Free Credit Report No Credit Card Required @ http://AnnualCreditReport.com